In America you only NEED two charge cards.

The first a REAL, no debit/check, Visa/Mastercard. And pay it off each month.

A Sears Charge Card. You can buy everything from tires to undergarments. And pay if off each month.

You don't NEED anything more than that. Cut up all those other lil charge cards from Express. Carrying all of those extra balances is STUPID.