> Why was this voted down? People that engage in churning are a bit self-conscious (source: recovering churner). Simple fact is you don't churn if you don't ha

> Why was this voted down? People that engage in churning are a bit self-conscious (source: recovering churner). Simple fact is you don't churn if you don't have to- it's not worth your time. > Another layman question, what does this do to your credit score? Opening new credit cards lowers your credit score- it adds weight to the single debt category(mortgage has a house backing it, a credit card doesn't), lowers the average age of credit lines (someone that has paid a home loan on time for the past 20 years is more 'reliable' than the naive 18-year old college student das company is preying upon), and, if you open too many at once, gives the impression you're desperate, insolvent.