rwockenf wrote:and my Discover is about 80% utilized.
You need to get that down versus relying on new cards to reduce utilization. Individual utilization matters as well and 80% is very high. It will have an impact on any applications -- not just approval but the limit and APR that you'd qualify for. Short term high utilization generally isn't an issue but prologned high utilization can get you into trouble.
rwockenf wrote:Is it too soon for another hard pull? I know they stay on for two years, but am I decreasing my chances of being approved by it being so soon? If so, how long should I wait? I realize there are other factors, but I am looking for a general response, if possible.
There's no such thing as a general response. It's all about one's credit which is a sum of the standard factors. A person with a solid profile in good standing could easily app for another card, if not several more, and not have any issues with approvals. Hard pulls are a relatively small factor and if one is getting cited for too many inquiries then one generally has other credit issues that need to be addressed.
Your score is a bit low. Not sure if the score you posted reflects the high utilization on your Discover card but you have very high utilization on it. Get the utilization down and address the other issues holding your score down. If you have any derogs you need to look into addressing them as they tend to have a significant impact and hold one's scores down as long as they are on reports. Don't rely solely on time.
Also keep in mind that you don't have just one FICO. You have a score with each CRA and while many creditors may use FICO 8 there are also many creditors that use other FICO models. When was the last time you pulled and reviewed all 3 reports?
rwockenf wrote:I have about 11.5 years of credit history on my credit reports.
If that your oldest account or your AAoA? The latter is more useful.
rwockenf wrote:On that note, I have a Costco TE card which will obviously be going away next May. Any recommendations on cards to replace?
For recommendations we always need to know the needs/wants of the individual to narrow down the options. For the TE, I'd recommend waiting to see what AmEx officially states regarding what they will do for existing cardholders.