<prompt> Human: I saw that the Chase freedom card has an benefit where if you spend 500 in 90 days you get a 150 credit. I dont need another credit card, but I would like the money. Would my credit take a step hit?  <response>: welcome to rchurningI have 13 credit cards, 780 credit score, my fiancée flys free with me for the next two years thanks to our companion pass, and a free week in the Maldives for our honeymoon. Its only the start. 