Do I need another CC to help?

[OmarGB9]

You can definitely go for all the SP CLIs you want. In fact those are encouraged when gardening.

Also good AAoA. And yes new accounts would only bring it down as well as new inquiries will bring down your amazing 800+ score.

[rymon]

Is there a list somewhere of which card issuers/cards do a Soft vs hard for CLIs?

Thank you!