Wow, lots of information on credit! So I guess, there is not to much to worry about by loosing a little credit by opening and closing a bunch of cards if in the short term, my credit score is of no concern. (As long as it doesn't go way down for something other than opening and closing accounts.) And if I ever do look to buy a house or take a big loan out, I should just give my credit score some time to bounce back. Does anyone agree with this? Thanks again for all the information!