Credit Cards That Offer Pre-Qualification and Preapproval Without a Hard Pull

Get started
Payday Loan Title Loan Personal Loan Business Loan

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.
Tom Koesternen
Written by
Tom Koesternen
A Chartered Financial Analyst (CFA)
Updated on:
Filed under: Credit Cards

When it comes to credit cards, the process of applying and being approved can be a daunting task. One important factor to consider is whether or not the credit card issuer will perform a hard credit pull during the application process. A hard credit pull, also known as a hard inquiry, is when a lender checks your credit report in order to determine your creditworthiness for a loan or credit card. These hard inquiries can temporarily lower your credit score, making it harder to be approved for other credit cards or loans in the future.
This is why it’s important to find credit cards that offer pre-qualification or preapproval without a hard pull. Pre-qualification means that the credit card issuer has reviewed your basic financial information and believes you may be eligible for the credit card. Preapproval means that the credit card issuer has reviewed your full credit report and has determined that you are likely to be approved for the credit card. Both pre-qualification and preapproval allow you to see which credit cards you may be eligible for without affecting your credit score.

What is a hard credit pull?

As mentioned earlier, a hard credit pull is when a lender checks your credit report in order to determine your creditworthiness for a loan or credit card. These hard inquiries can temporarily lower your credit score, making it harder to be approved for other credit cards or loans in the future.
It’s important to note that not all hard credit pulls are equal. Different credit card issuers have different criteria for approving applicants, so a hard credit pull from one issuer may not affect your credit score as much as a hard credit pull from another issuer. However, it’s still a good idea to try to minimize the number of hard credit pulls you have, as each one can potentially lower your credit score.

How hard credit pulls affect credit scores

Credit scores are calculated based on a variety of factors, including payment history, credit utilization, length of credit history, and more. Hard credit pulls are just one of these factors, but they can still have an impact on your credit score.
Here’s how hard credit pulls can affect your credit score:

  • Multiple hard credits pulls within a short period of time can lower your credit score. This is because lenders may see multiple hard credits pulls as a sign that you are desperate for credit or that you are having financial difficulties.
  • Hard credit pulls remain on your credit report for two years, but they typically only affect your credit score for one year. This means that if you have a hard credit pull on your credit report, it will slowly have less of an impact on your credit score over time.

Credit cards that offer pre-qualification or preapproval without a hard pull

Now that we’ve discussed the importance of avoiding hard credit pulls let’s take a look at some credit cards that offer pre-qualification or preapproval without a hard pull.

Chase Freedom Unlimited

The Chase Freedom Unlimited is a popular credit card that offers pre-qualification without a hard pull. To pre-qualify for this credit card, you’ll need to provide some basic financial information, such as your income and debts. If you pre-qualify for Chase Freedom Unlimited, you’ll be able to see the terms and conditions of the credit card, including the annual percentage rate (APR) and any fees.

Benefits of the Chase Freedom Unlimited

  • Earn 1.5% cash back on every purchase, with no annual fee.
  • 0% introductory APR on purchases and balance transfers for the first 15 months.
  • No minimum to redeem cash back.

Discover it Cash Back

The Discover it Cash Back is another credit card that offers pre-qualification without a hard pull. To pre-qualify for this credit card, you’ll need to provide some basic financial information, such as your income and debts. If you pre-qualify for the Discover it Cash Back, you’ll be able to see the terms and conditions of the credit card, including the APR and any fees.

Benefits of the Discover it Cash Back

  • Earn 5% cash back on rotating categories each quarter, with no annual fee.
  • 0% introductory APR on purchases and balance transfers for the first 14 months.
  • Double cash back earned in the first year.

American Express Blue Cash Preferred

The American Express Blue Cash Preferred is a credit card that offers preapproval without a hard pull. To be preapproved for this credit card, you’ll need to provide your full credit report and financial information. If you are preapproved for the American Express Blue Cash Preferred, you’ll be able to see the terms and conditions of the credit card, including the APR and any fees.

Benefits of the American Express Blue Cash Preferred

  • Earn 6% cash back on groceries, 3% cash back on gas and department store purchases, and 1% cash back on all other purchases.
  • 0% introductory APR on purchases and balance transfers for the first 12 months.
  • No annual fee for the first year, then $95 per year thereafter.

Payday Loan Calculator

Tips for applying for credit cards

If you’re considering applying for a credit card, there are a few things you can do to increase your chances of being approved:

Research and compare different credit cards

It’s important to do your homework before applying for a credit card. Look for credit cards that offer benefits and rewards that align with your spending habits. Compare the terms and conditions of different credit cards, including the APR, fees, and rewards programs.

Understand the terms and conditions of each credit card

Before applying for a credit card, make sure you understand the terms and conditions of the credit card. This includes the APR, fees, and any rewards programs. It’s also important to read the fine print and be aware of any restrictions or limitations on the credit card.

Protect your personal information during the application process

It’s important to protect your personal information when applying for a credit card. Make sure you are applying on a secure website, and never share your personal information with anyone you don’t trust.

Conclusion

In conclusion, it’s important to find credit cards that offer pre-qualification or preapproval without a hard pull in order to avoid potentially lowering your credit score. Several credit cards offer these options, including Chase Freedom Unlimited, Discover it Cash Back, and American Express Blue Cash Preferred. Before applying for a credit card, be sure to do your research, understand the terms and conditions, and protect your personal information.

F.A.Q.

Is it better to get pre-qualified or preapproved for a credit card?

Pre-qualification is a good starting point if you’re not sure which credit card you want to apply for. Pre-qualification allows you to see which credit cards you may be eligible for without affecting your credit score. Preapproval, on the other hand, means that the credit card issuer has reviewed your full credit report and has determined that you are likely to be approved for the credit card. While preapproval may be more thorough, it also requires a hard credit pull, which can temporarily lower your credit score.

Can I be denied a credit card after being pre-qualified or preapproved?

Yes, it is possible to be denied a credit card after being pre-qualified or preapproved. Pre-qualification and preapproval are not guaranteed approval, and the credit card issuer may still request additional information or deny your application based on your creditworthiness.

Are there any government resources available to help with credit card applications?

Yes, there are several government resources available to help with credit card applications. The Federal Trade Commission offers information on credit and debt, including tips for choosing a credit card and understanding credit reports. The Consumer Financial Protection Bureau also offers information on credit and debt, as well as resources for resolving credit disputes and filing complaints.

Can I apply for a credit card without a credit history?

It may be difficult to be approved for a credit card without a credit history. However, there are some options available for those who are just starting to build their credit. One option is a secured credit card, which requires a deposit to be made upfront in order to secure the credit line. Another option is a credit-builder loan, which is a loan specifically designed to help build credit. These loans often have a small amount of money that is held in a savings account until the loan is repaid, and then the savings are released to the borrower.

Ukraine needs your help!

TGL Loans: helps connect people with lenders that provide money loans for all US residents. If you have a bad credit history, it is not a problem. You can fill out the application at any time 24/7. Make your dreams come true!

Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

NOT A LENDER Disclosure: TheGuaranteedLoans.com is NOT a lender. We do not give any loans or credits. We do not store any of your financial or personal data. We are connecting service that sends all the data you enter on the Application page directly to the lenders. We may store after your approval - your name and email address.

Copyright © 2024 TheGuaranteedLoans. All trademarks are the property of their respective owners.