I'd advise getting any loan(s) you need in the next 2 years first, then doing this if you are going to. https://www.creditkarma.com/article/hard_inquiries_and_

I'd advise getting any loan(s) you need in the next 2 years first, then doing this if you are going to. https://www.creditkarma.com/article/hard_inquiries_and_soft_inquiries https://www.creditkarma.com/article/hard_inquiries_and_soft_... Hard inquiries when you open the new credit cards. A number of companies have a threshold where it triggers a denial. Its a bit more complex than the credit score itself, for instance: http://milestomemories.boardingarea.com/chase-credit-card-churning-rules/ http://milestomemories.boardingarea.com/chase-credit-card-ch... > The 5 cards across all banks rule generally applies to authorized user accounts as well. So yeah, there are things in place to knock you down a peg if you do stuff like this. But so far, at 4 cards per year, I don't really run into issues.