Above you can see our top five soft pull credit card offers. In most cases, soft credit check credit card, or a soft pull, will not let you avoid a hard inquiry anyway. Typically, soft pulls are used at the pre-qualification or pre-approval stage. Cards with pre-approval or cards that allow pre-qualification is a great way to find out in advance if you have a chance of getting the chosen card or personal loan.
If you then decide to submit the final application, the issuer can make a hard pull. Of course, pre-approval does not give a 100% guarantee that the bank will make a positive decision in the end. However, it reduces the risk of denials and unnecessary hard pulls respectively.
In addition to pre-qualification and pre-approval credit card offers, there are credit cards that do not check your credit at all when you apply. This means that you can get such credit cards without a hard inquiry. As a rule, these are secured credit cards that are supported with a security deposit, so the issuer can trust you more.
If your credit history is not perfect and you don't want to risk and make your situation worse by lowering your credit rate with hard pulls, soft credit inquiry credit cards can be a great choice for you. Moreover, this credit card type can boast many advantages:
