I have had Barclaycard Visa and Mastercard since I started working and have kept them. Use them when buying things online and/or holidays. Pay off the balance. Also have a Tesco credit card which I have for the reasons Iffy mentions - paid off whenever used. It is also used for company business etc. I used to get all the diesel on it too but now I have a fuel card (I pay for private miles).
I still have an M&S card - I remember how tricky it was at the time to get it so never gave it up all these years later. Not used it in a long time now but keep it just in case.
Between them would raise some urgent funds if needed whilst savings can be extracted etc.
Also have a company Diner's Club which is not accepted at that many places.
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