Yes, the Mercury Credit Card does a hard pull on your credit report when evaluating your credit card application. Having said that, you will need at least fair credit to get this card.
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 by reading this article.
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