Most people fear credit cards. He turned them into a strategy — and won. Manish Dhameja from Hyderabad holds something almost no one else on Earth can claim: 1,638 active credit cards, all managed without a single missed payment, a single late fee, or a single slide into debt. Every card in his collection has a purpose. Some bring cashback. Some bring flight miles. Some offer hotel upgrades, lounge access, or seasonal perks. Every statement is tracked. Every swipe is deliberate. Nothing is accidental. Guinness World Records officially recognized him as the man with the largest collection of valid credit cards — but what makes the story remarkable isn’t the number. It’s the discipline. He treats credit like a tool, not a trap. Like a system, not a gamble. He studies terms, cycles, limits, and rewards until the game bends in his favour. Most people are taught to fear credit. Dhameja learned to master it. His lesson is simple and sharp: Money is a language. If you don’t learn it, you pay for not knowing. If you do learn it, you stop playing defence forever. Fun Fact: Managing over 1,600 cards requires a system so precise that Dhameja organizes renewal dates, billing cycles, and usage patterns in a database he updates daily.