Originally Posted by
Cana2013
Please do some research before you say somebody is "grossly wrong"!
I monitor my credit scores, and talked to the bankers. My statment is true.
No it is not true, read my post and learn about credit scores.
A banker has no more informed information than I do about precisely how the score is made up, they are extremely closely guarded commercial secrets but the listed are all factors which work into the credit score and which are impacted by a new credit card in addition to the hard inquiry which is only a small portion of the score, fact.