Does First Access do a hard pull?

This question is about the First Access VISA® Credit Card

Tom Peitzman, Member

@peitzman_tom 04/04/18

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Yes, the First Access will do a hard pull. You can apply for it with bad credit though.

You can prequalify for the First Access credit card by receiving a approval letter and you can enter your reservation code here, 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. You can learn more about how to minimize the credit score damage here.

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