I've been acquiring cards for just over a year now, with the most recent churn being about five months ago. I haven't gotten a decline yet, just reconsiderations. However, I'm probably in the market for a car loan soon... My score is still excellent, of course, above 750, but I want to know two things and I thought this would be a good place to ask. First, should I expect significant pushback from the auto loan given my new accounts in the last year? Second, how should I go about shopping around for credit, either through third party banks/credit unions or the manufacturer's lender bank? I don't want a slew of new Hard pulls. Thanks!