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A lot of people say that you can ring in and request one every four months and it will be a soft, but if you request it online, it will be a hard. It said I couldn't do it only so I rang in an after asking for income I went from 10,000 to 15,000. I did notice that they softed Experian very shortly prior to me asking, so they may have used that. I have multiple inquiries on there and added many after I received the card, so they don't seem to care about that. I used it for a few thousand last December when I got it, but have only been charging an $18 a month subscription to it since about February?, so they don't seem to care about not spending a lot.