@dirt in my eye -- Actually I had more than that. I cancelled few of those. And I am not a big shot or some flithy rich. I just work and a very normal simple guy. Let me tell u why I have all those CCs.

While I first came to america, I used to see all my roomies (seniors) with full of CCs on their wallet. Then I alwys wished I want to have the same. SO i Kept collecting. Then I realized its not worth it. SO i guess by the time I relaized I had almost over ten. Then real america showed me the way. I had to pay all the xpenses of colleges and othet stuffs. But I never laid my Credit score down. SO what I used to do is get new CC with zero % promotional APR for 12 month sor even 6 months and in some instances 15 months and swipe till all I can. Then when it is about to expire my promotional rate. get another one with zero promotional and pay the first one. Well in fe cases I had to pay transfer fee but its worth it than paying interset rate of 13 % on balance over 10,000.

and now i don't want to cancel that becuase it will efefect my credit score. One of the factor credit score depnds is total credit limits for all CCs divided by total balnace on all CCs. SO if u cancel any CC, your total limit will go down and so does your score. Well I only use 1 or 2 , so i can only keep track on my CCs. Its been over 3, 4 years I haven't use my 20 cards and I even don't know where they are or whats their balance. However, I check my credit score once a year for free and see all my credir cards info and their balance just in case someone is missuing them.

And I don't know how many banks are there. But I have CCs uoto four from same bank (citi). On eof them is a store cc issued by bank.