Have a different experience. Have opened up several new airline cards and hotel cards during the past year to maximize miles as we'd be charging alot. Closed on a new home 13 mos. ago and have refinanced twice since (Febuary and June). Have obtained good mortgage rates and our credit report has always come back "excellent". Have not inquired about a "score" but our last mortgage rate was 4.375% with no points or origination fee. So obviously the several cards opened did not adversely effect the ability to get a good mortgage rate.