Two and Two: FICO score factors,, Bankrate, Inc.

“FICO scores don’t punish people for having a lot of credit cards.” – Eva Norlyk Smith, Ph.D., “longtime correspondent for Credit Card Guide” 
Too many bank/national revolving accounts” –  “US FICO credit risk score reason codes,” Fair Isaac (FICO)
“Consumers with a moderate number of credit accounts appearing on their credit bureau report represent lower risk than consumers with either a relatively large number of credit accounts or a very limited number of credit accounts.” – FICO Score Factors Guide” – ScoreInfo, Fair Isaac (FICO)