Does Capital One Platinum do a hard pull?

Yes, applying for the Capital One Platinum will do a hard pull on your credit report. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry.

You can prequalify for the Capital One Platinum on Capital One's pre-qualification page, which will not affect your credit score as it will be 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. You can learn more about how to minimize the credit score damage here.