I currently have excellent credit, however, I just refinanced my house in the last month. I need a new credit card to get something going. Does anyone know if the hard inquiry for my refinance will pull my score down enough that I won't be able to be approved for a card that requires excellent credit?
Alternatively, I've started a business, and could also apply for a business card. When setting up a business line of credit, is my personal credit worthiness considered, or just that of my brand new business?