Alex Wise, WalletHub Credit Cards Analyst
@Alex_Wise
Yes, Capital One QuicksilverOne will do a hard pull on your credit report when evaluating your application. It is designed for people with limited credit (less than 3 years of credit history), and credit is extended based on an initial credit inquiry and other factors such as your income, debts and general ability to make credit card payments.
You also can prequalify for the Capital One QuicksilverOne card on Capital One's pre-qualification page, which will not affect your credit score as it will only 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. And keep in mind that getting prequalified indicates that you have good odds of approval, but it doesn’t guarantee it.
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 also check out some tips on how to minimize the credit score damage caused by hard pulls.

Capital One QuicksilverOne Cash Rewards Credit Card
People also ask
Did we answer your question?