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Question By
realleeeee

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you recommended credit card to start with
did credit card I applied for that you recommended cause a soft hit to my credit

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Credit card applications are HARD

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So to continue the answer you really are looking for; if you applied for a credit card, you will get a HARD inquiry on your credit report.  Any lender or creditor looking at your credit in the next two years will be able to see that application request that you AGREED to.  Just because Credit Karma said you could be approved if you apply with one of their advertisers, doesnt mean it would be a soft check..... Remember you AGREED to the terms of the credit card application when you applied with them and gave them your personal info to do so.

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lol.... Blindly click much?

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To answer your question; Yes, there will be a soft check on your credit reports by Credit Karma. (a REALLY good reason to read what you are agreeing to when you click on agreements instead of just blindly clicking past them.) 

Now to put your mind at ease...

Soft checks on your credit report do not show up on credit reports requested by lenders or creditors.  They only show up in your personal credit reports ordered by you from the credit bureaus should you request to see it.  The soft checks in NO way affect your overall credit scores; regardless of what credit scoring model is used.

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Go to Capital One and go to "Find the Right Card'.  They will do a soft pull to see if you prequalify for a card.  As long as you don't have any baddies you will probably be approved for a card with a low ($300-$500) limit.  Try to get the Platnimum and Quicksilver One.  Use those responsibly (pay one in full each month before the statement date, leave a balance of less than 10% of the credit limit on the other one)  for six months.  You should see your score improve significantly after six months, and you'll qualify for better cards with higher credit limits.

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Reply by
NunnyaBusines

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Unfortunately that is not true.... Capital One only does a soft check application with their secured card applications and the card finder you suggested above.  However, all of their other card applications require a HARD inquiry; even if it was one of the suggested cards in their card finder.

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