My credit score is 850 because for 15 years I've been opening a new credit card account and using the introductory balance transfer offer to pay off the balance of my last credit card. I have 100% on-time payments and 180 credit cards. My credit card purchasing power is over $4.3M. I've bought 2 homes, 6 cars, and paid for 3 university degrees in full, all without ever having to pay a single credit card balance. Whenever I go somewhere and it's "cash only", I simply take cash out in an ATM with one of my credit cards (higher interest rate, but I don't care), and then open another credit card account shortly after that has a balance transfer offer, and I switch the balance to the new card. This is the future. I don't know why more people don't do this.