I think it depends if you will see a score drop based off your current file. For instance, I just got approved for 3 store cards and I was thinking that i would take a big hit after I lost 7 pts due to inquiry from Victoria secret. Low and behold 2 of those cards were added to my report this week and I received a 12 pt increase. I think because I did not have any store cards in my file it helped me and lowered my util. I still have 2 chargeoffs and judgment on my report.