u/IAmHim9

Hi, I currently have 11 credit cards (13 including closed) with my oldest card being from Dec 2020. I am planning on financing a car next year, sometime in Feb or Mar 2027, and by then, I will be 0/12, ~3/24 for inquiries. If I open a new card now, how much of an impact will that have on credit pulls next year?

Score is currently ~755 from different sources (equifax, capital one, etc; and fico/vantagescore, no meaningful difference). I paid my balances early this month so the banks will report lower utilization and I'm expecting the score to go up so I can get a good gauge of what it will be next year (I will be doing this before I purchase the car). I'm wondering how if opening a card right now will meaningfully impact interest rates next year.