<prompt> Human: As the tittle says, I just kinda fucked up. I just applied to a credit card that gives certain benefits if you travel a lot. But THEN after I applied I just saw another one in another bank that is way better. What should I do? If I back out would it hurt my credit score? Help.Assistant: Youve already taken the hard inquiry. If an offer was extended to you and you accepted it, youve got the new account hit as well.If your credit is goodexcellent already, these hits are minor. If your credit is borderline, itll take a month or two to bounce back but some companies are VERY inquiry sensitive and new account sensitive.Human: I have not accepted yet. I literally just applied two hours ago. My credit score is 697 according to credit karma.  <response>: If they accept your application, you have the card. By applying you already said you were interested. That being said theres nothing wrong with having another credit card, provided that you can manage them. It would hit you with another inquiry but that may not even be the same bureau the first company checked. Your average age of accounts will be lowered as well but this bounces back quickly. 