The content is accurate at the time of publication and is subject to change.

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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products 'Terms & Conditions on the issuing banks' websites.