Ricardo Dooley, Member
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Yes, Discover it Cash Back does a hard pull. You will need a credit score of 700+ to get it. This means that Discover it Cash Back requires at least good credit.
Here’s what you need to know about the Discover it Cash Back credit pulls:
You can prequalify for the Discover it Cash Back on Discover'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.
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Discover was not suppose to do hard pull it said soft pull. We'll I was just notified by Experian that Discover pulled my credit, hard pull,!!!