<prompt> Human: Hello-I consider myself credit savvy but have some questions about credit lines. My wife and I have 5 credit cards between us, I have 3, she has 2. We are both authorized users on each others cards. When I met my wife years ago she had poor credit and I have been helping her rebuild by showing lenders she we can responsibly manage credit. Since we started this process years ago, we have averaged one new card a year, in addition to one request of more credit on certain cards per year.We have no credit card debt. We use them on rotating months to pay for variable expenses and to capitalize on rewards--they are paid off in full at the end of the month. I try to keep aggregate utilization among all five cards 10.I dont consider myself a churner by any means, but enjoy the variety and variable rewards. Browsing nerdwallet, I am attracted to new cards, but have to put on the brakes sometimes as I dont want lenders to think we are desperate for credit. For example, Chase Freedom offered me 200 for opening a credit card with them and spending 1000 in 3 months. No sweat, 200 free for just going about my day-to-day spending habits while paying off my card in full every month. Replete with these offers, when do I say enough is enough? Am I hurting our credit by opening a new card here and there?We rent, dont plan on buying a home for 5-10 years. Whats your take? How does your family manage multiple credit cards, and do you open additional cards for rewards?  <response>: On the plus side, more open accounts is considered credit-positive.On the negative side, opening new cards will reduce average account age, which is credit-negative.The hard inquiry is also slightly credit-negative but has a relatively short impact.Overall its more or less a wash for you, in all likelihood. If youre paying off your cards in full at the end of every month, dont mind the added administrative work and feel the rewards are good, Id go for it. 