Share your insights or perspective on the financial matter presented in the input.

Opening 5 credit cards at once with no history to ruin, is it a good idea?
Yes, this is definitely possible. You can optimize your credit worthiness within 18 months, you would first start with a secured credit card just to establish a little bit of credit history and then use that as a jumping point 6 months later to do several unsecured credit card applications. As a student, your primary limiting factor will be your truthful income when you apply for the cards, resulting in low limits, where using less than 30% of those limits is not a useful amount of money. Your credit scores can be looked at as a spendable balance. New inquiries spend some of that balance, low utilization earns you more of the balance. They will trend upwards with the right approach, and you can use the balance at their highs to time more inquiries. Note: My answers typically differ in that I narrowly tailor my answers to the question asked, and don't masquerade or acknowledge the idea of advice. Impulsive spenders with credit have bad credit, I can live with that.