Soft Pull Credit Cards?

Posted by CreditCardGuru

"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 (updated for 2014).

1. CardMatch (checks across all major issuers!)

CreditCards.com 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 – from terrible to excellent credit. 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

2. 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.

Let me be clear your experience with Chase may be different – as in all things credit, your mileage may vary.

3. 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.

Do you know of any other applications for credit cards with soft pulls for pre-qualifying? If so, share in the comments below!

Written or last edited on August 20, 2014


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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

3 comments... read them below or add your own

  1. Angel Harris August 28, 2014 at 4:55PM

    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!

  2. David May 17, 2014 at 11:30PM

    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.

  3. Rebuilding Credit April 5, 2014 at 10:38AM

    Credit One bank is a great one for poor credit

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