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Happily for people with those concerns, it’s unlikely that being switched to a new credit card will damage your credit, whether you’re getting a new Costco card or Fidelity Visa, or you’ve heard from another issuer that your account is being transferred to a different credit card.

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A card issuer might do a hard pull on your credit when it’s considering raising your credit limit, especially if you requested an increase.That means you’re using a smaller percentage of your available credit, and that’s good for your credit score.