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Two. DH and I each have one where we are the primary cardholder after we learned that if the primary cardholder dies the account gets shut down right away. So now we each have one where we are the primary and our spouse is an authorized user. FWIW they are a Southwest VIsa and a United Airlines Visa. We closed all of the other random store cards I had over the years more than a decade ago, but I'm also in my 50s so had built up a long credit history at that point. -
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not sure of your age but you're going to need to incorporate weights to burn more fat as well - even just lifting 3x / week in the house - just any weight - or if you walk , ruck - throw on a backpack with weight in it
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