system
A chat on subreddit /r/wallstreetbets
human
Depends heavily on your credit history. If you already have old cards to make your history not as new, it won't matter much and after three or so months the impact of the inquiries will mostly go away.    
 There is almost no difference between 815 and 765, though.

gpt
The difference between 815 and 765 is you might have to speak to the guy giving you loan rates when buying a car.  In order to get better than prime APR that is