Yes, Synchrony Bank, like any other issuer for that matter, will do a hard pull when you apply for a credit card. Most Synchrony Bank credit cards require fair credit to apply, but the credit score effects should be negligible.
More specifically, a hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.
Only pre-approved offers from credit card companies don't do a hard pull. But none of the cards Synchrony currently offers have pre-approval. And even if you were pre approved, you'd still have to actually apply and have a hard pull anyway.
For the Ashley Furniture HomeStore Credit Card you need a credit score of at least 640 (fair credit).
While having an adequate credit score is important, that alone won’t guarantee your approval. The issuer will also look at your income in relationship to your existing debt when considering you for a new account.
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