More than a few credit cards

You’ve got a credit card for your favorite department store, another for air miles, another for hotel points—the list goes on and on. But having a million cards isn’t the best idea; Siciliano and Levin both recommend capping it at two or three to avoid identity theft. For one thing, spreading your points out into several different cards, none will add up to anything useful, says Siciliano. An even bigger risk, though? The more cards are in your wallet, the more damage a thief can do quickly, says Levin. He recommends carrying just one credit card and a debit card, and leaving the rest at home. “If they all get stolen, the bank is not going to get them back to you in an hour and a half,” he says. Keeping them separate will give you a safety net, as long as you don’t swipe them for these 10 times you should never use a credit card.