Wow... what a shitty, judgmental thing to say. Having 10 credit cards does not equal poor money management. Having 10 maxed out credit cards with a crap load of

Wow... what a shitty, judgmental thing to say. Having 10 credit cards does not equal poor money management. Having 10 maxed out credit cards with a crap load of debt might be. Your credit rating might suffer a little by having a bad "income to potential debt" ratio, even if you have $0 balance on every card and always make your payments on time... but just having a bunch of cards is not the issue.