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blue7magic

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apply credit card will deduct the credit score points?

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Yes, when you apply for a credit card or other form of credit, the lender will pull your credit report. This is called a "Hard Inquiry". A Hard Inquiry will lower your score, not by a lot but by some. I cannot give you the exact number of point it will cost you, but figure in the ballpark of 10 plus or minus. The only time it will really cause problems is if you already have a bunch of hard inquiries listed on your report or if you apply for a bunch of different credit at once. There are exception when applying for auto loans as many Inquiries will only count as 1 when they take place in a short period of time. A hard inquiry will remain on your report for 2 years before it falls off.

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