I have 26 credit cards and no debt. Here's the best advice I can give you about managing multiple credit cards

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The spreadsheet is her friend

Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective.. This number of cards requires some organization and planning, she says.

Don't rely on your memory to know which credit cards you've had in the past, she says. It may be harder to keep track than you think — especially when you sign up for new credit cards frequently.across our personal and business profiles. With so many credit cards, you may be wondering if we ever get confused, use the wrong card for the wrong purchase — or worse — forget to pay our credit card bills. So far, so good. We don't endure a lot of hiccups with our system, mostly because I am uber-organized and keep a close eye on what I'm doing.There are several different categories to keep track of when you're actively pursuing credit card rewards.

Either way, I keep an ongoing spreadsheet that includes details on every credit card I've ever had. Categories I track include:Annual feeDate of cancellation

 

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i just keep flash cards 🤭. This is easy to follow.

arreizuddin So she use every credit card less than 12 months each to avoid annual fee?

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