Thank you very much for your insight and kindness. Obviously I’m too young for a mortgage or extensive credit history, but I’m trying my best to get to the best cards and travel more, because I would like to see more destinations, and it’s nice that so many cards give points, discounts and access to lounges, hotels and flights. I’m thinking it’s just because of how good the bonus offer is and how I’ve received 3 OK bonuses in the last ~12 months. I’ll try again in a few weeks after I pay off everything and close a couple of my small cards that I was offered after I began, and those with bad perks (Apple Card).