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dissonance1

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Do Citi and BoA Credit Card applications do hard pulls?
Do Citi and BoA Credit Card applications do hard pulls?

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Yes they do

All banks will do a hard inquiry when you apply for credit.  Even online.  I have cards from both.  Citi uses Eqifax and Experian.  BofA uses Transunion and Experian.  

When applying for new credit it is always best to just assume that they will do a hard inquiry.  Everytime i have applied for credit there has been a hard inquiry, so theres no reason to assume they won't.

Good Luck 

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