Probably the latter. It would take the account to appear for a change in score - the hardpull inquiry would actually lower your score. However, if your new CL decreases your utilization significantly, adding a new account could help your score.
In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
