<prompt> Human: Hey everyone. Im a 24yo person with a credit score that Im proud of for my age and income bracket hovers around 780 FICO these days, income 35k annually. Ive had a credit card since I was 20. Since then Ive opened a few more for practical reasons. My first was a GAP card that I opened because it was easy credit and my girlfriend at the time really loved the GAP. Then I got one from my bank, and one from Amazon for the Prime benefits. My youngest card is the bank card, which is just about 18 months old. I get inundated with mail offers of credit cards that offer 100-200 bonuses after x amount of purchases in 90 days or whatever. Ive been trying to figure out if its worth it at all. I could definitely use the cash, and I put all of my purchases except for rent on my cards anyway, so I can guarantee that Id hit the spending requirements without buying unnecessary stuff my groceriesfood budget is about 500 a month, and I also put gas and entertainment on it, so most of the offers work for me. I definitely dont want to pay annual fees, but lots of the offers I get dont have that. Im REALLY good at managing credit card balances. Ive only paid interest one time - which was back in college when I was waiting for a slow scholarship check and had to put my books on credit and wait a month to pay them off. Other than that, Ive ended each billing cycle with a 0 balance. Im not necessarily worried that this easy credit will lure me into spending money I dont have. Im just concerned about my credit score. Im very proud of it and want to rely on it for a while. Im wondering how big of a ding my score will take if I say, open 2-3 new cards over the next three months roughly 1 a month to take advantage of the three best cashback offers Ive received. Everything Im reading is sending mixed messages and I know credit scores arent exact sciences necessarily, but Im weighing between: more cards means a bigger total credit limit, and if I keep my debt down to basically 0 my existing student loans, itll be favorable to my score. But I know that opening a new card dings your score a bit for the check, and opening a lot of new lines of credit or requesting more credit can sometimes be a bad sign. But again, if my habits remain the same, and these cards maintain basically a 0 balance month after month for years, the score will overall improve, and Ill be 500 richer all going straight into my emergency fund. Basically, Im leaning towards opening the new cards. Ive got a credit score monitoring program through my bank so I can keep an eye on it and stop if after the first or second my score is hurt too badly. But wanted to come here and ask for a more nuanced answer. Thanks for your time!  <response>: rchurning 