<prompt> Human: Since I know folks will want the background, Im working on paying down my credit card debts from a time where I wasnt realistic with my spending. Ive never missed a payment and have made significant progress this year getting two accounts down to paying off the statement balance in full each month. The biggest detractor from my credit score right now is usage which is at a pretty awful 65 since PayPal credit doesnt count towards your credit score just finished paying that one off and now Im not touching itAnyway, I have a total of five accounts including car loan, student loan, and three cards. Average age is 3.8 years.Im currently at the point where I only use one card which I pay off the added balance and then some each month. Its currently at about 7.5k 83. This will take some time, but it is the lowest of the two cards that remain and Ive been using the snowball method thus far. I also have another card which I havent touched in almost a year thats sitting at a good 9k 60. Im making minimum payments on that one while I focus on getting the card I use down to reasonable levels.Ive really gotten control of my finances in the last four or five months and Im certainly on my way to getting out from under this weight, but in the meantime should I have more cards just to help repair the score a little faster since this process will likely take years?EDIT: tl;dr lesson learned here is that the emergency fund isnt just for huge things like job loss or car accidents, its also so you feel comfortable not using credit cards as a safety net. Already set up my budget to get 5k set aside for an emergency fund in a somewhat reasonable amount of time. Swapping to debit card only going forward and will look to get these cards down once that fund is in place.  <response>: Um, if youve accrued 15 thousand dollars in debt in a period of roughly assuming from your average 5 years, the healthy number of credit cards is 0. 