“If the card has no annual fee, keep it because you’ve already had the inquiry — it will actually over time raise your score by having more available credit — and use it occasionally just so you keep it active in your credit mix.”
“It is really underhanded to make an offer to somebody with a series of benefits, then by the time you get the card, say ‘Oh no, we don’t offer any of those things.’ That’s why I’d make the phone call to see if maybe they made a mistake on their end instead of just trying to bait and switch you.”
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