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goingclear

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effect my credit
If I apply for the credit card that credit krama recommended, will it effect my score if not approved, and will it effect it just for applying

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Yes and Yes,

When you apply for a Credit Card ( Any Credit Card ) from any place ( including the ad's here on Credit Karma ) your credit report will show a Hard Inquire on it.  And because of the Hard Inquire your Credit Score will more likely go down x number of points.  Nobody can tell you how many points it will go down, but it will.

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