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New accounts comprise 10% of your credit score. If you submit too many new credit card applications at once, it's likely that your score will be negatively. Pre-approval typically results in only a soft inquiry into your credit—which means it won't impact your credit scores. Benefits of opening a new credit card. Cancelling a credit card does not ruin your credit. It does not lower your credit score due to age. Again, cancelling a card does not ruin your credit or lower. Apply in as little as a minute to see your credit limit offer with no impact to your credit score and begin using right away. Unlimited Daily Cash back(Opens a. If you prequalify for a credit card, this usually means your credit score and other financial information matches some of the initial eligibility criteria to.