Does Capital One SavorOne do a hard pull?

Yes, Capital One SavorOne does a hard pull on your credit report when evaluating your credit card application.

Keep in mind that you will need a credit score of 700+ to get it. This means that at least good credit is required for high chances of approval.

Here’s what Capital One SavorOne hard pull causes:

A hard pull can affect your credit score, usually by a few points. But having too many on your credit report, especially within a short period of time, can significantly lower your credit score.

The good news is, though, that the issuer allows you to prequalify online for some of their credit cards, including Capital One SavorOne, with no impact on your credit score. However, responding to these offers and submitting an actual application will trigger a hard pull.

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.

Ultimately, you can learn more about how to minimize the credit score damage by reading this article.

It's easy to take out of context that “your score will drop a few points…” Actually there's a midrange of “just a few” points to reports of 40+ point drops, and my 29 point drop.  These drops can in fact recover in “a few” months.  Likely 8.

Your credit score isn't all lenders, issuers, and the like go on.  Actually your CREDIT REPORT is of more weight to the above parties in ultimate decisions.  A hard pull stays on your REPORT for 25 months.  Anything over 2 pulls during this 25 months can be permissable.  In the lenders mind it's cause to either charge more interest or deny.

The takeaway is your Credit Score, while admissable in ultimate determinations is of lesser weight than a CREDIT REPORT.