One card hit hard enquiry before checking eligibility?

[Poco]

Question:

I have watched several YouTube videos where people applied for the OneCard app, and it showed whether they were eligible for a secured or unsecured credit card before they actually submitted the application.

My concern is:

If I install the OneCard app and check my eligibility, and it shows that I’m only eligible for a secured (FD-backed) credit card, I will not proceed with the application.


So, my question is:
Does OneCard perform a hard enquiry (impacting CIBIL score) before showing eligibility for a secured or unsecured card? Or is the hard enquiry only done after I proceed with the application?

I have the same question regarding the Kiwi credit card.
Does Kiwi perform a hard enquiry before showing eligibility, or only after the user confirms the application?

Please explain this clearly.

 

[hitirfan]

Don't know about One Card but I checked eligibility on Kiwi few weeks ago, shows not eligible. There was no hard enquiry.

 

[Poco]

Thanks , today I also check mine onecard they don't hit hard enquiry

 

[sherin.real1]

Question:

I have watched several YouTube videos where people applied for the OneCard app, and it showed whether they were eligible for a secured or unsecured credit card before they actually submitted the application.

My concern is:

If I install the OneCard app and check my eligibility, and it shows that I’m only eligible for a secured (FD-backed) credit card, I will not proceed with the application.


So, my question is:
Does OneCard perform a hard enquiry (impacting CIBIL score) before showing eligibility for a secured or unsecured card? Or is the hard enquiry only done after I proceed with the application?

I have the same question regarding the Kiwi credit card.
Does Kiwi perform a hard enquiry before showing eligibility, or only after the user confirms the application?

Please explain this clearly.

In my experience OneCard din't trigger hard enquiry at initial stage. One and half year ago when i dint had any credit score. I installed the OneCard app and proceed after inputting my details and PAN card number it said I'm eligible for FD based card. I dint continue from there.
After a month i got an FD based Credit Card from Kotak (to build my credit score).
A month later i installed OneScore app to track my CIBIL and Experian credit score monthly.
On the 5th month i got an alert in the OneScore app, in the offer tab and on the app's main screen i saw a message as "Your OneCard is approved and ready to use."
I clicked on it and it took me to OneCard App and asked to proceed from there. Then it showed me the offered Credit Limit, Card Varient and Banking Partner assigned (in my case it was 'OneCard - Bank of Baroda VISA' + credit limit).
I accepted and proceeded from there then it asked me to input personal details and address where to deliver the card. Then i need to input OTP then I got sms that "Your Experian credit information report was recently accessed by BOB Financial Solutions Limit.

Then next was Video Kyc (just basic information verification, no income proof or anything) in few hours virtual card appeared in the OneCard app and in 4 days i got the metal card delivered to my communication address.

I'm not sure if it still uses the same process or the process changes according to their banking partner (BOB, Federal, SBM etc.)