<prompt> Human: Hello all, 24 year old currently with one CC through a Credit Union here. Curious why some people have multiple CCs and what the benefitsdrawbacks are?Are CCs with rewards really worth it?I am currently in good financial standing and can make payments as I use the card, just curious what peoples reasoning is as I have ZERO knowledge about this type of thing and want to better my future as I move forward.EDIT: Where should I look for a good Credit Card to add to the arsenal? Is an Amazon CC bad? I shop there a lot for small items like Clif Bars and whatnot  <response>: Aside from different benefits and rewards, theres value in having 1 or 2 backup cards in case you have a problem with the bank that issues your main card like fraud, or a declined purchase. 