Sometimes it seems you can't open the postbox without having a slew of credit card offers and applications slide out into your hand. You are already pre-approved. Our credit card is just waiting for you! All you have to do is call to activate your new credit card.

If you've recently applied for a new credit card, have just finished school, have signed up at a bridal registry or just tied the knot, you've probably got even more credit card offers than usual - life-change events are triggers to credit card companies to flood your post box with offers for low-interest credit cards, credit cards with no interest intro rates, a pretty pink card for shopping and credit cards that give you cash back when you shop.

It's a dizzying array, and it's difficult to say no when the credit card companies want to give you access to all that money. So you sign up for a pretty blue card because you like it, and a Gold card because it has some status to it, and a store credit card because you got a 10% discount on that scarf and before you know it, you've got a whole wallet full of credit cards. How many credit cards is too many?

Here's some information on how creditors look at your credit score, and how the number of credit cards that you have can affect your credit rating. It may make you think twice when you go to apply for a credit card.

Available credit is the total of all the credit that you have available to you. The Available credit rule is that your available credit should be no more than 50% of your annual income. If you make