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Plan to buy a house in 3 to 4 months time. Is it advisable to apply for a credit card
Will it help me increase my credit score prior to getting the approval letter, or will it adversely affect it by putting a hard hit on my history.

I am currently on border between good and excellent and am looking for best means of improving my score prior to getting the approval letter for home buying.

Keeping the credit utilization under 30% is already something that we have been doing.

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