You should have at least 2 credit cards, and not both with the same bank, of course. I had two credit cards with Chase (and an Amex with BoA) when Chase decide

You should have at least 2 credit cards, and not both with the same bank, of course. I had two credit cards with Chase (and an Amex with BoA) when Chase decided that I had died. If it wasn't for the Amex, I would have had some big problems!