<prompt> Human: Im looking to add a hilton honor credit card to my list because I want to rack up a ton of points since I travel so often. Are there any negative effects of me canceling one of my credit cards ? Is there a limit on how many credit cards you can have? Obviously I cant cancel them until theyre fully paid off. This is something I plan to do next month Discover - no debtChase - 1.2k debtAmazon credit - 400 debtSynchrony - 1.2 k debt  <response>: Ive got like 30 credit cards. Having 5 is not gonna hurt you. In fact opening another should help you as it will lower your utilization. But you really should not be carrying a balance on your ccs. Paying any interest charges is just a horrible habit as interest rates on ccs are terrible outside of any 0 introductory periods. 