<prompt> Human: 21 years old52kyr salary7 credit cards, all 0 balance20k limit18 months of credit historyNo mortgagerent520mo car leaseAll payments on time, never paid a dollar of interestIm getting tons of offers for more cards. Do I want more accounts, higher lines of credit? Do I want less open credit? Whats the trick here?  <response>: Time, at this point it will just take time. be patient. 