Yes, the Value City Furniture 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 the effect only lasts 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 Value City Furniture Credit Card requires at least fair credit 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.
You can also check to see if you pre-qualify for the Value City Furniture Credit Card. Checking if you’re pre-qualified does not affect your credit score, as it only involves a soft pull. Pre-qualification does not guarantee you’ll be approved for the card, though. It only indicates that your odds of approval are high.
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