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I'm living in the UK right now, and I'm the same as you with having only one card. However most of my friends have several credit cards, which I find really strange. I wonder if it's a symptom of how broken the economy is... It's too easy to get multiple credit cards and use them all to pay each other off, so you're essentially living in constant debt.

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I don't think it's a symptom of "how broken the economy is". If you're paying each off when it's due, it can be a good way to make a small chunk of change.

Well, I have a debit card - which I use for pretty much everything that isn't a business expense. I also have a personal credit card which I use very occasionally in situations where a debit card won't work (e.g. getting Euros from a ATM in Schipol airport) and an "emergency" personal card that I use in situations where neither my debit or main personal credit cards work (about once a year so far).

I also have a company credit card.

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