Will adding an AMEX gold negatively affect my credit?

I know having too many credit cards can negatively affect ones credit rating and when it is time to get a mortgage or other loan can also negatively affect the result. My question is if I add an AMEX gold card which is a charge card (one that does not allow a balance to be carried over) will that also have a negative impact on my credit? I have three cards right now but only use two of them. I would cancel the third by I was told not to cancel cards because that also affects credit negatively.

The reason I am considering the gold is because again I was told that having an AMEX gold or better can actually help build a good credit history.

Any thoughts?

Thanks Chyvali … then does anyone know the appropriate debt to equity ratio?

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