<prompt> Human: This is all under the assumption that the cards are used responsibly and paid off in full every month. From what I understand, hard inquiries fall off of your credit report completely in 2 years, and will lower your credit score in the short term. However, age of accounts are an even bigger percentage of your credit score, and obviously so are regular on time payments.Keeping this in mind, would someone in their early 20s be better off long term opening multiple credit cards in a short amount of time to build up their age of accounts when they eventually need to take out a loan? That way if they were to apply for a car loan or mortgage in say 5 years they would have no inquires on their report, but they would have the benefit of multiple lines of credit with a 5 year history.Am i completely missing something here, or does this make sense?  <response>: I see no issues with this. This makes perfect sense, as long as once you get them, you dont go wild with your available credit and go buying stuff you cant afford...Also, make sure they dont come with a yearly fee. Sucks to have to pay for a fee unless you use the card a lot, and the benefits cover the fee more. 