I have read many times on this forum that people should have at least 3 cards to optimize scoring potential. Are store cards counted in this? I am asking because I currently have 2 bank cards and 3 store cards. I really wanted to garden for a while, but I wonder if I should go ahead and take the HPs for another bank card. Will revolving store cards have the same impact as bank cards regarding this suggestion, or should I attempt another bank card and then garden?