Yeah I understand. I monitor my credit obsessively and have a good idea of what happens to my score in any given scenario. In this case I wanted the additional credit line anyway so it was worth it. I'm still young and at the point where any additional line of credit is a long term benefit for me (decreases utilization percentage, increases number of accounts, increases total number of on-time payments, and long term will increase average age of accounts). Also I like the rewards.
