<prompt> Human: According to CreditKarma my transunion score is 744 down from 752 before I purchased my home on 7312014. I believe my other scores are 760 something and 735. I have two hard inquiries currently, and dont want to pull my credit score down to much further. Id like to get another card other than my USAA MC 12,000 limit which I always pay in full. Would this be a bad idea as far as my credit score is concerned? I suppose it might not matter too much since I dont plan on getting into any more debt in the near future, but Id like to keep the score as high as possible. Thoughts?  <response>: Generally another hard credit pull will lower your score by only a couple of points, and you may actually see a net benefit to your score from a new card due to an increased available credit limit and, likely, decreased utilization as well as a greater total number of accounts.Unless youre planning to make another big purchase soon that requires a fantastic credit score, Id say now is the perfect time to take the hit - you just bought your house, so you shouldnt need to reapply for lots of credit soon. The negative effects from the hard inquiry should lessen significantly 3-6 months after you open the new card.Head over to rchurning if youd like to get some good signupspending bonuses on a new card. 