Brianne Larch, WalletHub Credit Card Analyst
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Yes, the Umpqua Bank Visa® Business Card does a hard pull. In fact, that's the case whenever you apply for any credit card, loan or line of credit.
Keep in mind that you will need at least good credit to get the Umpqua Bank Visa® Business Card.
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 by reading this article.
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