Soft Pull Credit Cards?

"no thanks" to credit inquiriesIs it possible to apply for a credit card with a soft pull inquiry? This is a question that is frequently asked. Obviously, the fewer hard inquiries you have on your credit report the better. But can you really get a new card using only a soft credit check?

Usually not, but sometimes you can.

There are no hard and fast rules when it comes to this topic, as it depends on card issuer’s somewhat fluid underwriting standards. More often than not, a hard pull will be done. But here a few times it might not always be the case.

1. Capital One Card Finder Tool

This is a great service offered by Capital One that functions like the CardMatch tool mentioned above, except that it only features Cap One products. You can see which offers you qualify for without it affecting your credit. While it may seem limiting to only see Capital One offers, they are one of the largest card issuers and have a wide array of card offerings – everything from high end reward cards to secured credit cards. It can be a great place to start when you don’t know which level of card you might qualify for.

2. CardMatch (checks across all major issuers!) has a new feature to match you with offers based on your credit score. Using this to check does not affect your credit because only a soft pull is performed.

However, if you choose to apply for an offer for which you are pre-selected, then there likely will be a hard pull. But the good news is that since you were already pre-selected for it, the chances of getting approved are extremely high unless something has happened in the previous several months that could have degraded your credit.

I’ve had people test this with varying levels of credit (subprime, moderate, good and superprime) and the system results have been spot-on accurate. My friend with bad credit had no results available, but then my other friend with great credit was given 2 pages of offers.

Anyone can use this feature – regardless of your current credit level. And if you fall into the latter category you may be matched for exclusive signup bonuses which are higher than what the general public can get. That’s a choice feature.

Go here to use CardMatch and see your offers in 60 seconds

3. Multiple account applications within a short period

Last year I applied for two different cards from Chase within a short period of time (if I recall correctly, it was within a 30 or 45 day window). And guess what? Only one hard pull from them showed up on my account. So I basically got a 2 for 1 special.

Written or last edited on November 3, 2015

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Credit One is by far the WORST credit card you can ever get. Please do research on these scammers. People saying otherwise is just damage control from their own company because they know they have an awful reputation.

Credit one gave me a unsecured card with a $75 fee that comes off the $300 balance right away. I pay on time and I’m VERY satisfied. With bad credit no one else would help without crazy fees, high interest rates, etc. Be responsible & you’ll have no problems.

I google the net using the same search to find this site. “Soft pull credits cards”
I got 4 credit cards in 2 days.
Card 1.- 350.00 VC
2 – 250.0 Bckle
3 – 300.00 Epress
4 – 2000.00 Ostok
Try google: Shopping Cart Trick – Get Credit Cards Without The Hard Pull
Good Luck

I had a credit card from credit one and I had paid in time up until I lost my job.I had the protection on it and thought that would help until I got back on my feet. Boy was I wrong I was still unemployed a year later my card had only been $500 limit by the time I got back to work and my balance had been $200 I owed 2875. When I was able to pay. Had I not had the protection they would have stopped the card at $800 which is still alot considering. I recommend if you get capital one don’t get the protection!

There is many bad reviews about the Credit One card about how they scam people and such. I got the card about a year ago and I have been very satisfied. The catch is that you have to be responsible. Late payments, not paying off the balance every month and so on, they nail you. I use the card for things I would otherwise be buying with cash/debit and then just pay with every use. It is a good card for a responsible person, but lets face it, those that seek the credit one card are typically not those with reputations of being responsible. Those that post all the bad reviews, its it because they treat this card like they have with the other cards that they burned bridges with and now they are having to eat steep fees and interest. Pay your bill, build credit fast.

Rebuilding Credit

Credit One bank is a great one for poor credit