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There is no right number. At one time I had 8 credit cards. I cut that down to 3 because I wanted to eliminate 5 opportunities for an identity thief to get a hold of a credit card number I rarely use. I was prompted to do this when my wallet was stolen with all 8 credit cards in it. I had to dig up the 800 numbers for all 8 of those cards to get them cancelled. That was a real pain. Right now I have two Visa's and an American Express. And I will most likely get rid of one of the Visa's and just go to 2 credit cards. If you insist on keeping multiple credit cards; I would put the majority of them in a safe place and not carry them in your wallet. I certainly wouldn't walk around with 15 credit cards in a single wallet. At this point I use my debit card a lot more than I do any of my pure Credit Cards. In the end Cash is best.
A PIN - personal identification number, which are used for credit and debit card authorisation.
If your credit (not debit) card has a negative balance on your statement, then there is an overpayment (you paid more than you owe). So now they owe you money. This is usually applied towards future charges.
No. They are not the same. The ATM card number is usually different than the bank account number. These days banks offer debit cards which contain 16 digit numbers whereas bank account numbers are much smaller than that.
8 cards, 4x7's and 4x8's 12 if you count the 4xAce's as 1