<prompt> Human: My SO signs up for credit cards that have various rewards and have the first year annual fee waived. After almost a year, before the fee is due, she will sign up for a different card and transferspend points as needed. She wants me to start doing the same. Is this a mistake? Will it harm our credit scores? I generally pay my balances in full each month.  <response>: Not necessarily... I would however keep another card perhaps one without an annual fee? And keep it indefinitely as to build up some average age of accounts 