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Got approved for the CSR but question...

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Anonymous
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Re: Got approved for the CSR but question...

Congrats!
Message 11 of 12
Anonymous
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Re: Got approved for the CSR but question...

Do you actually NEED a new card? Answer that question first. If you have a need, is it immediate? Regardless of what your AAoA is, new accounts ding your score for about 3-6 months just cuz it's new credit. Your score will bounce back and the ding is about 5-10 points.

Something else to consider is sign up bonuses. They continually get better, especially as the economy does well and interest rates rise. Applying for something now means you miss out on later offers.
Message 12 of 12
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