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I also manage my credit card applications to avoid having too many recent inquiries. These are the hard pulls on your credit that happen whenever you apply for a new credit card or another type of loan. When I tell people I've had more than 20 credit cards in the past six or seven years — because I'm a little obsessed with using credit card points to book travel — I often get a grimace in response. "Your credit must be terrible," they reply. "Do you not care about your credit score?" is another popular response.
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