Opening and closing a new accounts has literally no effect on your credit score.
The credit agencies pulling your report has a pretty minimal and very short lived.
Your score was an 830. I’ll be surprised if it dips below 800. And that is still exceptional.
Unless you have an immediate need to get a really good interest rate, you should not lose any sleep over this.
I’m right there with you. Doing it now. The more stumbling tired I get, the better.
The framing of this article is all wrong. There aren’t just two choices: discipline or wild abandon. There’s times and places for both. Five pm at the colorful hippy burrito spot with dinosaur toys and a large play area, let them run free. Out at a special dinner with family bring them with, set your timer for their ability to keep it together and make adjustments as needed. If they don’t meet the standard, thats cool. Not their fault and probably not even your fault. Do a vibe check and leave if needed.
Hell, I’m all for your kid doing frog jumps down the grocery aisle, but be a sentinal and see if there’s a person in that aisle that would care. You can read the people who are delighted by the child’s exuberance and those who want nothing to do with it. I’m not a big fan of screens, but they have their time and place like on the six hour flight.
Any case, there’s only so much you can do when parenting. Creating a safe connection for them is so important and then trusting you to see them, receive them, and make the unknown a little bit safer is all a tall task.
I don’t think you understand how excellent your credit is. Most banks won’t extend different offers for an 830 and a 795. The amount of emotional energy you placed in this score isn’t commiserate with either your actions or your score. It sounds like you’re not using much of your credit and you’re a high earner. You’ll be fine. You’ll be better than fine honestly. You are well positioned to have access to money to get mostly every material need you want with little hassle. You are more well off than the last majority of people in this world. Appreciate that.