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Credit Card Application Process: Hard Inquiries & Approval

Applying for a new credit card can be confusing. Learn how hard inquiries affect your credit score and what factors determine credit card approval, so you can apply with confidence.

Updated on May 22, 2026
5 minute read
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Applying for a new credit card can be confusing. Learn how hard inquiries affect your credit score and what factors determine credit card approval, so you can apply with confidence.