Hi to all you "credit happy" folks! I haven't been on in a while so PLEASE forgive me for asking this because I know it's been answered before. Just be patient with me and no rude replies.
What, exactly, is the diff between a "soft" pull and a "hard" one? I want to apply for the Costco AMEX card to go along with my Blue, but if it means another inquiry, I don't think so.
Thank you!