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Before you continue
Common questions about credit cards
How many cards should I apply for?+
One at a time. Each application is a hard inquiry, and several in a short window looks like distress to an underwriter.
Are balance transfers worth it?+
They can be, if you will clear the balance inside the promotional window. Factor in the transfer fee, typically 3% to 5%, and what the rate becomes afterward.
Does closing a card hurt my score?+
It can, by lowering your total available credit and eventually shortening your average account age. Keeping a no-fee card open is usually the simpler choice.