Business Here's how many credit cards you should own Updated : May 20, 2019 03:01 PM IST Acquiring and using a credit card is the easiest part. However, managing them can be quite a task. After getting acquainted with how a credit card works, you can look for other credit card options and find one that is more suitable to your spending habits. When you use a credit card, you are under the obligation to pay the amount back as and when due. Paying the dues on time is quite important to maintain your credit score.