as others mentioned, you will get an open date of 1/12. That will help you a little bit. But not very much, because most auto lenders use an auto enhanced fico, which scores in favor of auto loan history, then installment history, then revolving history. So any bump you get will be smaller than it would be for a traditional fico score. I would be surprised if it makes enough difference to change your interest rate on your car loan, which is going to be high. It might make a difference if you are borderline for approval at all. Also, I think you are borderline for an Amex revolver. Delta gold, maybe.
