Originally Posted by
skywalkerLAX
Depends how you define 'hit'. Generally it is a 'hard pull' on your credit score. Once the account is established it will then display the credit extended to you and over a the coming months/years the payment history and how much of your total extended credit you utilize.
If you are comfortable answering it, how 'old' is your credit history and what amount did they approve you for? Instant approval is a good sign at least.
Only 1 other current credit card opened for the past 4 years with a $1,400 limit. I was Approved for $12,000 credit limit on this card. And I have a home mortgage opened 6 months ago. No USA credit history before that (I moved from Canada to the USA)
Given my relatively short credit history I am concerned it will have a big impact as I may apply for an auto loan in the coming months.