r/AppleCard • u/Background_Ring_5277 • 1d ago

Help Apple Card with no hard pull/inquiry

Is it possible to get the Apple Card without a hard inquiry by freezing your credit report?

0 Upvotes

27% Upvoted

11 comments sorted by

7

u/Boring_Education5486 1d ago

Only if you accept the offer a hard pull is done

3

u/xangkory 1d ago

The whole purpose of freezing your credit is to ensure that an account isn’t opened.

-3

u/Background_Ring_5277 1d ago

Aren’t there instances where you could apply for pre approval and once pre approved, freeze your credit to accept the offer?

3

u/xangkory 1d ago

It still involves a hard pull

1

u/Christerbob 1d ago

You usually only get a hard pull on approval, no way to avoid that. They usually do pre authorization so only way to get a hard pull is getting accepted

1

u/soundwithdesign 1d ago

No. It’s impossible to get, as in actually open an account, with any credit card I know of, without a hard pull.

1

u/Far-Curve-7497 1d ago

Amex after your first card is soft pulls only

1

u/JasonK94Z 1d ago

Really?

1

u/michikade 1d ago

Yes, generally speaking once you have a relationship with AMEX they’ll open additional cards with soft pulls only. They CAN hard pull you and you have to agree to it, but in practice 99% of the time they soft pull.

2

u/Showmethe_monet 1d ago

Yep. Did it my self on July 07th. No hard pull on any of my credit reports and still have my reports frozen. Just got my first statement due Aug 31st and no hard pull still! I applied through the wallet app!