Yea pretty much identical situations. I am no credit expert by far but I don't see the harm of applying for 3 or 4 cards with good rewards. I feel like the benefit of the higher credit limit out weighs the temporarly hit to your score. Just my opinion though. As far as those AFs... my Amex Plat is due this billing cycle. Looking at $625 due to the authorized users on the account. Thinking long and hard whether I should renew it.