Yes, the First Premier Bank Mastercard does a hard pull on your credit when you apply for it online.
You can apply with a bad credit, but a hard pull usually causes your credit score to further 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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