I have one credit card. Same one I've had since I was a teenager. Pay it off every month. I went on the big 3 credit sites and froze my credit a while back so nobody can open new accounts in my name. My only real debt is my mortgage. Now I get this flyer from Costco offering me a Citi Visa card with 4% back on fuel, 3% on some other shit, 2% at Costco, and 1% on everything else. It also becomes my membership card. It also has some extended warranty and damage and theft protection bullshit. I feel like it's a waste of time getting this fucking thing but then again I get a bunch of free shit for free. Do I bother or not? I'd have to unfreeze my credit for this stupid thing. Plus doesn't your score go down when you open new accounts? I'm over 800 and want to keep it that way.