<prompt> Human: So this is a question Ive noticed in different forms on here, but Id like to get a straight answer from as many people as possible who know what theyre talking about. Please read the entire post so as to reassure yourself that Im not a huge dumbass who wants to buy a Ferrari and a golden ball-baster on credit. Im 22 with decent credit, no debt, a good secure job, and absolutely no proclivity toward living beyond my means. I never carry a balance on my credit cards, and only use them very minimally to keep them active.That being the case, is there any reason that I shouldnt amass as many cardsas high a credit limit as possible in order to improve my credit score in the long run and also make funds available to me in case of some catastrophic emergency? And YES, rpersonalfinance, I have a solid emergency fund that I would use before ever resorting to credit cards, Im just hypotheticalizing!. I would obviously not apply for them all at once, as I know that doesnt work, but say I got like 20 cards over the next 6-7 years...In your answers, please just for arguments sake assume that I will never carry a balance on these cards and that I will avoid cards with annual fees.Thanks friends!!  <response>: Its been 12 years since I opened my first credit card and I currently have about 10 open. Ive probably also closed 10 across that period of time because I like to keep things manageable. Ive never paid interest on a credit card. Ive probably made...3000ish in opening bonuses and who knows how much in spending rewards I put all my spending through cards. I also used to do a lot of balance transfers when they had no fee and CDs had good interest rates.So, Im definitely a proponent as long as you absolutely stay on top of managing things and dont screw up. My credit score is great and I had no trouble getting and twice refinancing my mortgage at the lowest available rates. 