Does First Access do a hard pull? This question is about the First Access Visa® Card

Does First Access do a hard pull?

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This question is about the First Access Visa® Card

Tom Peitzman, Member

@peitzman_tom • 06/25/20 This answer was first published on 04/04/18 and it was last updated on 06/25/20.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, 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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