Does Capital On Tap do a hard credit check?

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Afshin · Accepted Answer

No, not at application. Capital On Tap performs a soft credit search when you apply, which leaves no mark on your credit file. A hard search is only recorded if you accept the offer and the account is opened. The soft search means you can apply and see your credit limit and APR without any negative impact on your credit score. If you decline the offer, no hard footprint is created. This is why it is safe to apply even if you are unsure — you only commit (and accept the hard search) at the activation step.

Does Capital On Tap do a hard credit check?

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