My Credit Score- Will Opening Credit Cards Tank It?

Short answer? Nope — not if you play it smart.

My husband and I have been opening 3–4 new cards a year for the past five years, and guess what? Our credit scores are still hanging out in the 800s. 🎉 So yes, it’s totally possible to rack up those sweet points without wrecking your credit. Here’s how we keep things in the safe zone:

1. Give it some breathing room.Don’t go wild and apply for five cards in one weekend. We try to wait at least 90 days between new applications. If we hit the minimum spend early and are ready for another bonus, the other spouse takes a turn. (Pro tip: referring each other back and forth is an easy way to snag extra points!)

   
   

2. Never carry a balance.This one’s non-negotiable. Paying interest on a rewards card is like ordering dessert and then throwing it in the trash — totally defeats the purpose. Always pay in full, every month.

   
   

3. Mix personal and business cards.If you qualify, business cards are awesome because most don’t even show up on your personal credit report. That means less impact on your score, and more points in your pocket. Don’t think you have a business? You might be surprised — I wrote a post about that here.

Final Thoughts

Think of it like cooking a great meal — follow the recipe, don’t rush it, and the end result is worth savoring.