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It’s not clear – the best we can do is try to interpret them. If you have a lot of credit cards, you have a lot of sources of revolving credit, the worst kind. When I applied for my home loan, I had two open credit cards – my oldest one and a general use one.
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But that pulls just one fact out of a big handful of facts. No one knows for sure how FICO (or other credit scores) work.
As I stated in an earlier writeup about credit reports, FICO’s exact formula is a trade secret.
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In other words, the more cards you have, the higher your total credit limit is, and thus your debt-to-credit ratio is better.