u/FailingAtAdulthood

I have worked hard to rebuild my credit from a 540 to 760 over the past couple years. Thursday I took out a new car loan which will cause a hard inquiry. I only have two credit cards with very low limits. Should I apply for a new credit card now before my credit score decreases due to the hard inquiry and loan? I had read that hard inquiries so close together would be seen as 1 hard inquiry. Am I misunderstanding? if I should go ahead and apply for a new credit card which card do you recommend?