How to build credit

[bluef0x]

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Ok but at some point you have 20 cards with I assume 50% utilization so that you can still maintain a decent debt to credit ratio. Now the introductory period ends. You need to find new credit cards to transfer all of this to but you already have 20 credit cards. How long can someone keep this up?

How can someone really not be embarrassed about having 40+ credit cards?

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I think you are confused, you don't have to continue anything. You can stop once the introductory period ends.. just withdraw all your invested money and pay off the credit cards. You keep the 5-6% interest.

Someone isn't embarrassed by having 40 credit cards because no one is forcing you to walk outside with a 7" thick wallet. I have about 6-7 credit cards and only use one, the rest are stored away. The one I do use gets 5% off most purchases, it's much more convenient and smart to use a credit card over cash.

For some reason you believe everything you do is public knowledge and that other people's opinions matter. You are insane.