Most of the Credit Offers below don’t pull a hard inquiry. However, some do. Your score may temporarily drop once you are APPROVED due the inquiry. The effect is minimal. After that, your score will rise. Once you get your cards, use them responsibly, and make on-time payments. Make sure you keep utilization at 10% or less. This will be critical when you apply for larger credit cards later. Also, you must REMOVE any credit freezes, locks, or fraud alerts from your report in order for the Personal Credit lines to post.