John Miller, Credit Cards Moderator
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Yes, the J.Crew Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but only for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you’ll be approved for an account.
The J.Crew Credit Card requires fair credit or better to be approved. You can check your credit score by signing up for a free WalletHub account. You’ll have access to free credit scores and free credit reports, both updated daily.
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