The others I keep them open simply because I’ve had them forever and closing them would do more damage (in the form of shortening my credit history). So 2-3 open cards is probably optimal, but if you’ve got good credit and don’t need it for anything else anytime soon, there’s probably no harm in using it to take advantage of an offer

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A personalised credit limit between £50 and £1,200; 0% interest on purchases, for three months after you open your account; Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction

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The others I keep them open simply because I’ve had them forever and closing them would do more damage (in the form of shortening my credit history). So 2-3 open cards is probably optimal, but if you’ve got good credit and don’t need it for anything else anytime soon, there’s probably no harm in using it to take advantage of an offer

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