Hello! I recently went from $4600 to $11600 on my cash rewards NFCU card 
. I did have a hard pull. If i would have known about the whole AR thing I would have waited as I noticed the pulled my report a week after my hard pull on 2/17/18. I was thinking of getting a new card to pad utilization and to build a better relationship with them because im tired of BOA. The problem is that I opened the NFCU in september, AMX delta in september and Discover secured (BIG MISTAKE, closed it after only a month
). I dont know how much it will hurt my score to open another card my AAoA is sitting at 7 years. I have like 3 cards I opened 9 years ago (Credit 1, first premier, best buy) that I will be closing soon so Im thinking in the long term openeing a new card might help when these cards fall off. My utilization is now sitting at about 45-48% down from 90%.
Should I open another card and will it be another hard pull? It hasnt been 30days yetand I heard that as long as its not past 30 days it should be the same pull but I'm not sure. My Eq 5 according to DCUs membership pull is not 690 and my regular eq 8 is the same.
Any suggestions? Would a CLOC help or will it be another hard pull. I have 7 inquiries on EQ.
Starting Score: 530EQ, 531TU, 514EX (0/2016)
