It’s up to capital one when to report the new credit account to the credit bureaus. Opening a new account will usually lower your score at first, after a while as long as you make payments your score should go back up, But it also depends on your credit utilization. Having a $2000 credit limit and charging $1000 a month is not as good for your score as having a $2000 limit and charging $100 a month even if you pay off both bills in full. Because you want to show that you are not maximizing your credit use
