That is definitely not true all the time. Chase didn't do a hard credit pull to give me my MileagePlus credit card, which was definitely worth the effort. Besid

That is definitely not true all the time. Chase didn't do a hard credit pull to give me my MileagePlus credit card, which was definitely worth the effort. Besides, the hit from a credit pull is only temporary, so unless you are planning on buying property or changing rentals in the short term, it's basically negligible. People are a bit too worried about their credit scores. Just make sure to not screw up too badly and you should be mostly OK.