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Most of us are skeptical when credit card companies overflow our mailboxes with promised perks and bonuses. “Sign up for this card and receive a 50,000-point bonus!" "Apply now and get your first year’s fee waived!” As if we don’t already get enough mailers for discounted pizzas and cleaning supplies. But let’s get back to the core question. Does opening a new credit card affect your credit score? Here's the reality: adding new plastic to your wallet can actually be a good thing.