转卡有hard pull吗？会不会被认为一张新卡从而拉低信用分评价体系里的”平均持卡时间”“最近开卡”等要素，还是会keep & continue老卡的track？
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- Title: 「Chase Ritz-Carlton 信用卡【2024.2 更新：新金属卡仅重17g】」的评论
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