Applying immediately takes advantage of a window where your loan inquiries may be grouped, but the new debt hasn't fully registered on your report. Waiting 6 months allows your score to recover from the initial "hit" of the new loan. 1. Check Your Current Timing How Does Buying a Car Affect Your Credit? - Experian
The best time to apply for a credit card after buying a car is either (within 3–4 days) or after 6 months . applying for a credit card after buying a car