Does the Wells Fargo Reflect Card do a hard pull? This question is about the Wells Fargo Reflect® Card

Does the Wells Fargo Reflect Card do a hard pull?

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This question is about the Wells Fargo Reflect® Card

Maria Adams, Credit Cards Moderator

@m_adams • 02/23/22 This answer was first published on 02/23/22. 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 Wells Fargo Reflect Card does do a hard pull. You will need a credit score of at least 700 to get it.

Unfortunately, you can’t check for a Wells Fargo Reflect pre-approval. The only way to know if you’re pre-approved for the card is to receive an offer. If you get such an offer, it means Wells Fargo has done a soft inquiry on your credit history and determined that you’d be a good candidate for the card. However, a pre-approval doesn’t guarantee that your application will be successful.

A hard inquiry, on the other hand, usually causes an applicant's credit score to drop by a few points. Most people’s scores, however, bounce back within a few months, with responsible use.

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