Does a SOFT PULL via PreQualification website have ANY effect???

[Anonymous]

Meaning, I get that it won’t effect my credit score. But does the act of my checking to see what I might qualify for become visible to Chase or Citi when I go to apply for one of their cards?

Thanks!

[Anonymous]

It should not effect you in any way. Go nuts.

[Anonymous]

No effect, and that's because such check results in a soft pull on your credit report, and the way a soft pull works is that no lenders will ever be able to see them from your credit report pulled by them.

[Anonymous]

Got many pre-quals- Including AMEX Platinum and Chase Saffire Preferred. I am hoping to get the Saffire Reserve but no offer showed up. Are the requirements that different? Or is the Preferred showing up a decent sign?

[Anonymous]

The reserve usually doesn't show up under the Chase pre-quals

[Anonymous]

Gotcha. If up to me i would choose Reserve. I hope to have that approval. Based on my understanding i should be a good candidate with zero Bad marks on credit/23 year history/low utilization/0 cc applications in the last 2 years.

[Anonymous]

You are generally fine as long as the income is okay. CSR is a Visa Infinite card and the minimum limit for Chase to approve you a one is $10k, but the income actually doesn't have to be very high.