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wizlock

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Hard or soft inquiry?
Does applying for a credit card that credit karma recommends create a hard or soft inquiry?

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Top Contributor
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Hard inquiry

Any time you apply for credit it will produce a hard inquiry.  Soft inquiries only apply when YOU  inquire about your Credit Report or when Banks "Pre-Qualify" you for a Credit card or loan.

Also remember that the Recomendations on CK are not a guarantee that you will get it.  The ads on here are what pay for the site. I have heard over and over that the recomendations on here are NOT always approved. Knowing your score and credit history is a better guage of weather you will be approved.

  I suggest that you only apply to offers you recieve in the mail that say that you are "Pre-Approved".  That seems to be the safest way to open new credit cards with out jepordizing your score.  When you do apply they will then do a hard inquiry to confirm that your info is still the same as when they did the soft inquiry (Purchased your info from the Credit Bureau as part of a list of likely customers) 

CK always recomends Credit cards, Even when it is not likely that you will be approved. 

A couple of "Rules of Thumb"

Don't apply for new credit more than once every 6 moinths.  (this keeps your hard inquiries low) 

Only apply when you know your score is above 680 (Better yet above 720)

And only apply when your Utilization is below 30%

Good luck

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