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ey, really quick question. If I am going to be applying for a personal loan soon and its based off my credit score, will opening a credit card hurt or help my chances? Sometimes i think hurt because its a new hard inquiry then i think help because i will have open credit and my score will go up, increasing my chances to be approved for the personal loan. Is it a good idea to open one really quick and not use it or should I not get a credit card right before requesting a personal loan? Cat S