<prompt> Human: Hey PF, Im currently a 21 year old college student with two credit cards discover it and BoA. My credit score is approximately 750from a discover pull and Ive been receiving targeted credit card offers from various companies. I recently received an offer for amex 30000 bonus points 400 and the card has no annual fee. Im not looking to buy a house or a car anytime soon and never carry a balance. Why would I not accept the offer?  <response>: It sounds like youre thinking about dipping your feet into the magical waters of churning credit cards rchurning. 