Please tell me how to know which credit cards have a... - Other Questions


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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.

Answered on | Updated on February 18th, 2013
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.

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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.
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