Does Discover it Cash Back do a hard pull? This question is about the Discover it® Cash Back

Does Discover it Cash Back do a hard pull?

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This question is about the Discover it® Cash Back

Ricardo Dooley, Member

@dooleyricardo2 • 04/15/22 This answer was first published on 08/15/19 and it was last updated on 04/15/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Jesus @jmatexastexas

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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,!!!

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What is a soft credit check and what does it show?

A soft credit check shows the same information as a hard inquiry. This includes your loans and lines of credit as well as their payment history and any collections accounts, tax liens or other public records in your name. A soft credit check does not hurt your credit because it happens when you review your own credit report or a creditor does so for regular account maintenance or to pre-screen you for a credit card.

A hard credit check, on the other hand,...

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Does applying for a credit card hurt your credit score?

Applying for a credit card does hurt your credit score, but your score should only drop a few points and rebound within 3-6 months if you use your credit card responsibly. The longest the hard inquiry from a credit card application can affect your score is 12 months. After that point, it will still be visible on your credit report for another year but will have no influence on your score.

Pretty much any time...

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