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Building a solid, diversified investment portfolio requires a mix of different products, from fast-growing stocks to safe-and-steady bonds to rock-solid Treasury bills. The same is true of the credit cards in your wallet. A smart credit card strategy can help you make the most of cards’ benefits while steering clear of drawbacks.

Of course, if you’ve collected credit cards primarily because of the great introductory offer or the 10 percent discount offered on the first purchase, it’s likely that you don’t have a perfect mix of cards for your needs.

Read on to see how you can maximize the cards you have — and how you can strategically trim or add cards to get the most out of each one. And keep in mind that quality — not quantity — is the goal, says Cate Williams, vice president of financial literacy for Money Management International, a national credit counseling firm. Many times, a single card can serve multiple purposes. “It’s OK to have a few cards in your wallet,” she says. “But you don’t have to be a Hallmark card store. You don’t need a card for every occasion.” …

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