My rewards cards have been working out quite nicely however I would like to add either a Discover card or the US Bank Cash+ to my arsenal. I am waiting to apply for either of these because since about July my credit score has taken a beating due to some unexpected life happenings. 4 hard inquiries, auto loan increased about $15k, and credit card debt increased about $6k. Ugh! The credit card debt will be paid 100% in March (its at 0%).
So, how long should I really wait before messing with things? (especially these cards?)