Tommy S Davidson, MBA Student
@tdvdson94
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.

Capital One Platinum Credit Card
Did we answer your question?