@MainMan wrote:
I only have one card right now, so yes I do need another card. I'm just afraid of getting denied with a hard inquiry on my credit. We all know how damaging that is. Is a home depot card better than the Lowes?
It's really not that damaging unless you have alot of credit inquiries. Getting a new card will decrease your AAoA so that could hurt but it could improve your utilization. But if you were denied, one inquiry will probably have no impact on your credit score unless you had alot of inquiries in the prior year.
4/13 Equifax 679 (Scorewatch), TU 695 (myfico), 703 (Walmart)
6/14 Experian 733 (myfico), Equifax 687 (Scorewatch), TU 693 (Walmart)
