Does the Oportun Credit Card do a hard pull? This question is about the Oportun® Visa® Credit Card

Does the Oportun Credit Card do a hard pull?

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This question is about the Oportun® Visa® Credit Card

John Miller, Credit Cards Moderator

@john_miller • 06/07/22 This answer was first published on 06/07/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the Oportun 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.

How to Check For Pre-Approval For the Oportun Credit Card

You can check to see if you prequalify for the Oportun Credit Card by using the online pre-approval tool. Checking for pre-approval does not affect your credit score as it only involves a soft pull.

Pre-approval does not guarantee you’ll be approved for the Oportun Credit Card; it only indicates that your odds of approval are high. To know for sure if you’ll be approved, you will have to apply for the card, which will require a hard pull on your credit.

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