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volrick Author

Level 1

4 points

Apple card

How does applying for this card not affect your credit score?

iPhone X, iOS 14

Posted on Dec 11, 2020 1:34 PM

Top-ranking reply

RUSD tech

Level 4

1,525 points

Posted on Dec 11, 2020 1:50 PM

When you first apply, there is a soft pull of your credit where Goldman Sachs will give you an offer (interest rate & credit line) - if you accept, then they will do a hard pull from Transunion.

A hard pull results in a few points off your credit score but is temporary.

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