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whats up guys ryan from i teach credit as you know this is my card this is my dream the fastest way to this card is by educating people like you on credit and today i want to talk about people ask all the time if i apply for a new credit card doesnt that hurt my credit score the answer is yes but only for four months basically what happens is you have that initial inquiry and you get a new account which is going to lower your age of credit history but heres whats going to happen youre going to get another credit with another credit limit or another credit card with another credit limit which is going to help your overall utilization plus and on the fourth month after three on time monthly payments youre going to see you get a little boost because what they do is they look and they say hey heres another new account theyve managed this responsibly paid on time over the first three months were going to give them a little boost with their credit score if you dont believe me check