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Credit Card Applications » Questions » User Questions » Other » Please tell me how to know which credit cards have a soft credit pull so my credit is not affected. I have...

Please tell me how to know which credit cards have a soft credit pull so my credit is not affected. I have poor credit and I don’t want my score to go down.

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Every time you apply for a credit card it is a hard inquiry so your credit is impacted. Lenders, landlords, credit card providers, and insurance companies all make hard inquiries. Soft inquiries are when you request for your credit report and when a potential employer pulls makes an inquiry. If you do not want to affect your credit history do not apply too often for credit cards. Try to apply at a six month intervals.

All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.
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