A common question we get from credit card beginners is the difference between a "soft pull" and a "hard pull" on your credit report. Both terms are frequently used when discussing new credit card ...

Hard and Soft. A hard inquiry occurs when a lender checks your credit for a loan, lowering your score by 5–10 points and ...

and it is called ‘hard inquiry’ or ‘hard pull’ or ‘hard credit check’. Potential lenders look at your credit report to understand whether you will be able to repay the borrowed money ...

Links to credit card issuers' pre-qualification pages. Top credit cards that offer preapproval without a hard pull. When you apply for a credit card, the card issuer usually conducts what's known ...

or hard pull, on your credit report. Each hard pull temporarily lowers your credit score by a handful of points for up to a year and typically stays on your credit report for two years.