Mark Mulberry, Member
@mark_mulberry
Yes, the Kohl's Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
You can prequalify for the Kohl's Credit Card on Capital One's pre-qualification page, 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.
kiea22000, Member
@kiea22000
Yes, they pull Experian. The card is backed by Capital One bank.
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