I'm in my early/mid-20s with a good full-time job and a 740 on CreditKarma. My credit history started about 4-5 years ago.

If I start churning, I'll jump from 3 open accounts to 6, and it'll halve my "average age of open accounts" from 2.5 years to 1.25 years. I owned my closed accounts for about 1 year each.

Is it really okay for me to churn every 90 days? I figure a high percentage of cards I'd be applying for would be cards I'll cancel within the year due to annual fees.