<prompt> Human: So I have 8 credit cards open right now. 3 are for retail stores and 5 are with banks. I have been opening credit cards that have an introductory 0 APR to help pay my way through college. I work part-time I put tuition, textbooks, a laptop, things like that on there. When it comes close to the intro 0 ending I stop using the card, pay off the balance, and open a new one. The 3 retail cards are all paid in full each month. So currently I only have one credit card with a balance 0 apr but I am looking to open a new one. Is this too many cards? Should I close some first? Also, I never use the card after I pay the balance and the intro 0 ends. Is this bad? Should I stop doing this and just take out a student loan? I only have 2 semesters left of undergrad about 9K-10K total The reason I havent yet is because Im planning to go to graduate school full time and live off of loans for those 2 years so I want to go in debt free. Thanks for your advice!  <response>: As long as they dont have fees, there is no reason to close them. 