Take a look at your wallet. If you’re like most Americans, you have a credit card or two (or three) to your name—shiny pieces of plastic that can have a tremendous impact on your financial well-being.

In fact, about three out of four U.S. adults have at least one credit card, according to a 2016 Gallup report. Still, Americans, overall, do a fairly poor job of managing their credit usage: Case in point, the average U.S. household has $15,310 in credit card debt, according to a 2015 NerdWallet survey.

There’s no magic number for how many credit cards a person should have, says Bill Hardekopf, CEO at LowCards.com. Some financial pros say one card is enough, whereas others advocate for using multiple credit cards.

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