<prompt> Human: Id like to preface this by stating that I have always paid my credit card bills in full, and using a credit card does not cause me to spend more money I am still using the chase card as its rewards are slightly better than my USAA card 7.5 and 9k limits respectfully.That being said, about 6 months ago I opened a chase credit card to take advantage of their free 100 after reaching a certain spending limit.Today I got a letter for a citi bank credit card for a very similar offer. Im considering opening the card, collecting the reward and then closing it.At what point will do this start to significantly impact my credit score? Is this a bad idea to do 2x a year if the offers are available?  <response>: might want to try rchurning 