<prompt> Human: Thinking about opening a few credit cards just for some free money. How bad is it and what should I know about doing this? I never owned credit cards before and I plan to pay off the balance in full every month. I also currently dont have any plans to apply for any kind of loans at least for the next 2 years.  <response>: Go spend an hour or two in rchurning and youll find more info than you ever thought was possible.In brief, its advantageous to use credit card sign-up bonuses. Some people take it to an extreme. I do it occasionally, maybe one card year. 