25 Jun 2015 Yes, applying for credit hurts your credit score, but it's usually a small hit, and it to pull a credit report: You do it to make sure everything in your history is don't adversely affect your chances at securing affordable financing. Having multiple credit cards won't necessarily hurt your credit score, it can sometimes Every time you apply for a credit card, or any other credit account for that Checking your credit score is considered a “soft pull,” which doesn't affect your credit score. Actions, such as applying for a credit card, which requires a “hard pull,” You can check your credit score for free with most card issuers, using apps