<prompt> Human: Right now, I have 2 credit cards-- one through my bank with a limit of 1000 and one with Capital One with a limit of 500. I also have a Macys card but I never keep a balance on it. I was wondering if it would look bad on my credit report if I got another card at this point. I have decent credit, and my score is around 730. I have a 13 an hour job, blah blah, not sure how much info to include here. I have a car, no loan payments, etc.Should I go for it? Especially because I shop there a lot, the 40 giftcard at sign up is enticing and I think it would be a useful card for Christmas shopping. I start early! I just dont want to have too many cards if that is an actual detriment to credit scores.  <response>: I think the free 40 and the rewards would outweigh any minor temporary hit to your credit score, unless youre about to buy a house in the next year or something. 