why 4-5 cards? I have one card that I use (and get united miles for) and another that is backup in case of emergency. All the other ones are cut up and don't get used. I only carry a balance on the backup card and that is a couple $K sitting at 1.9%. I'll likely zero that out next month though. Then the extra money goes into the bank to try and replace the hole left by racing for the past couple years
