John Miller, Credit Cards Moderator
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.
Did we answer your question?