Experian, as like the other bureaus and Credit Karma, mislead people into believing accepting a new credit card will help their credit score when in fact my +800 score decreased 21 points because I cancelled a Chase card for lack of rewards while accepting a better Chase card with top rewards. Looking for a home loan from various lenders also causes a decrease in scores as they do NOT combine different lenders into one, causing your score to decrease because of inquiries, User's recommendation: If you don't want your credit score to take a large hit, ignore their credit card suggestions.