Robert Stark, WalletHub Credit Cards Analyst
@robert.stark
Yes, any of the First National Bank of Omaha credit cards will do hard pulls upon applying. Their credit cards require at least good credit (i.e. a credit score of 700+), with the exception of the First National Bank of Omaha Secured Visa, designed for applicants with bad or no credit.
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.
People also ask
How often does First National Bank of Omaha increase your credit limit?
First National Bank of Omaha may increase your credit limit after every 4 months if you ask for an increase yourself. You can also wait to see if First National Bank of Omaha will offer you an automatic credit limit increase, which may occur as soon as every six to 12 months if you pay your bills on time and keep your credit utilization low.
How Often First National Bank of Omaha Increases Credit...
read full answer by Chip Lupo, Credit Card WriterHow hard is it to get a First National Bank of Omaha credit card?
It is not very hard to get a First National Bank of Omaha credit card because First National Bank of Omaha offers cards for people with bad credit or better. The easiest credit card to get from First National Bank of Omaha is the First National Bank of Omaha Rewards Secured Visa® Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other First National Bank of Omaha credit cards, too.
Minimum Credit Score for...
read full answer by Chip Lupo, Credit Card WriterDoes 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, it will still be visible on your credit report for another year but will have no influence on your score.
Impact of a Credit Card...
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