No Ding Decline
Get matched to credit cards that won’t ding your credit scores if you are not approved⊛
- See personalized credit card offers based on your credit profile.
- Find out if you are approved before any impact to your credit scores.
Checking your matched credit cards will NOT hurt your credit scores
⊛Applying for cards labeled ‘No Ding Decline’ won’t hurt your credit scores if you aren’t initially approved. Approval of your application will result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores.
Solicitar tarjetas etiquetadas ‘No Ding Decline’ no dañará sus puntajes crediticios si no le aprueban inicialmente. Aprobación de su solicitud resultará en una consulta visible en su reporte de crédito, incluso si no puede pasar las verificaciones finales, lo cual puede afectar sus puntajes crediticios.
More ways to find the right credit card for you
Credit cards matched for you
We work directly with financial institutions to provide your best matches from our partners. These offers are personalized to your credit profile so you’re more likely to qualify.
Pre-approved
Being pre-approved⏃ means you have higher chances of eligibility for a certain offer—check for these offers first when you’re ready for a new credit card.
No Ding Decline
Cards labeled ‘No Ding Decline’ won’t hurt your credit scores if you are not approved.
Why it matters
Experian’s No Ding Decline
When applying for a credit card, most lenders will perform a hard inquiry on your credit report which can negatively impact your credit scores. With Experian’s No Ding Decline, only a soft inquiry is performed when applying for cards labeled ‘No Ding Decline,’ so if you are declined there is no impact to your credit scores.
Your free account comes with your Experian credit report and FICO® Score.*
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*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
⏃Offers based on FICO® Score 8 model and not available in all states. Final approval is not guaranteed and is subject to additional lender eligibility requirements and a credit check, which may impact your credit scores. Pre-approved means the consumer meets certain credit criteria established by the lender. Offers and reward programs subject to lender terms. See licenses and disclosures.