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HisBella

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are the credit card offers picked for me by ck considered a hard inquiry if i apply?

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Yes, ONLY if you apply

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You create a "hard inquiry" when you apply for credit or a loan because it is law that you have to give permission for the credit or loan agency to check your credit. Once you give that permission through an application, you have created a hard inquiry. It stays on your report for 2 years, but only affects your score for 1 year.

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applying for credit card

My question is why does CreditKarma show you approval odds on certain credit cards, and the odds say your chances are good to get approved, why does it end up bein cosidered a hard inquiry  against you when you put it on there for me to apply in the first place, and how the heck do you expect anyone to ever try and build their credit up if you always get turned down, plus be penalized when you apply for one to boot! Doesnt really make a hole lot of sense to me!

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