क्या New Credit Card लेने से Credit Score कम होता है?
Yes, getting a new credit card can slightly decrease your credit score, but it's usually temporary and minor. There are two main reasons why:
Hard Inquiry: When you apply for a credit card, the lender checks your credit report. This is a "hard inquiry" which can lower your score by 5-10 points. However, this impact usually disappears within a few months, and your score can rebound over time based on your credit behavior.
Credit Utilization Ratio: A new credit card increases your total available credit. If you don't change your spending habits and start using the new card too, your credit utilization ratio will go up.
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