Another common issue is people getting store based credit cards you can only use at that storeThink: Home Depot, Kohls, Target, Big Lots, Furniture Row etc...
Most people think that having more open accounts on their credit report is a good thing, this is a myth
Would a mortgage lender want to see 10 open credit cards with $100k available credit and a $10,000 balance? No because this is a risk, you could go to Vegas to celebrate buying a home and go into huge card debt from gambling losses
Do you have too many open accounts?
Ideally you would have 3-5 open accounts on your credit report that you have had for 5 years on average