this post was submitted on 25 Jul 2026
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Credit score is a poorly implemented modern invention. (discuss.online)
submitted 22 hours ago by VetOfTheSeas@discuss.online to c/whitepeopletwitter@sh.itjust.works
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[–] LikeableLime@lemmy.world 5 points 12 hours ago

The bigger impact than credit utilization would be the hard inquiry that they use to determine whether to give you the card as well as the avg age of accounts. Low credit utilization may drop your score an extremely tiny amount (only like 1 or 2 points) but the new inquiry and lowering avg age of accounts is a much bigger impact (tens to dozens of pts drop)