Having multiple credit cards can impact your credit score positively or negatively. When managed responsibly, they may increase your total available credit, lowering your credit utilization ratio and potentially boosting your score. However, owning numerous cards might also lead to overspending or missed payments, negatively affecting your score. Opening multiple cards within a short period can temporarily decrease your score due to inquiries and reduced average account age. Regularly paying bills on time and maintaining low balances across cards can mitigate negative impacts. Ultimately, responsible management is key; having multiple cards won't inherently harm your score if managed prudently.

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