Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
No, Bank of America doesn’t do a soft pull for its credit cards; they will do a hard pull when you submit an application for any of their credit cards.
It is also worth noting, though, that you can prequalify for Bank of America credit cards on their pre-qualification page, which will not affect your credit score as it will result in a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.
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. Even so, there are steps you can take to minimize the credit score damage.
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This is true if you are not a BOA customer. I am a 27 year account holder. They do soft pulls going from BOA secured to non-secured or when doing credit line increases.