Jason Miles, Wallethub Credit Card Consultant
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No, even if you’re pre-approved for a credit card, you're still not guaranteed to get it. However, it does indicate that your chances of getting approved are very high (around 80-90%) if you apply.
Pre-approvals do not affect your credit score, as they're done using a soft pull. But if you decide to apply for the card you were pre-approved for, the issuer will conduct a hard pull of your credit report. This inquiry will lead to a slight, but temporary decrease in your credit score.
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