Sorry my guy, but where are you getting your info from? There's good debt and bad debt. Every inquiry dings your credit score, however minor. And opening and closing accounts is worse. I'd be hesitant to take any advice from total strangers on the internet, here included. But as far as cc offers, I get over a dozen a week. I HAVE a shredder just because of the overwhelming offers/junk mailed to me.
1. I tell him injuries are so small, barely noticeable
2. Disagree with you on credit card debt. It just straight bad debt
25% interest (varies)
3. Disagree with you on the CC offer... going pay your phone, food,gas anyway
Might as well get some $$$