No, Zable only does a soft inquiry on your credit report to see if you are eligible for an offer at the pre-qualification stage.

A hard inquiry is a credit check done with a credit reporting agency that lenders use when making a credit decision. This does have the potential to impact your credit score.

Zable only does a hard inquiry after you have read through the Cardholder Agreement, agreed to the Terms and Conditions in that Cardholder Agreement, and clicked “Submit My Application,” which is after we pre-qualify you.