This method is how you can get a personal credit card without it impact your credit. Step 1. Look for a pre-approval credit card online Step 2. Get the pre approval. Step 3. Go to your credit bureau and freeze it. Step 4. Accept the card Step 5. You just got a personal card with no hard inquiry Bonus: this works really well for the Apple Card. Get pre approved, freeze your transunion at TransUnion.com and then accept the offer. If you’re a funding client please don’t to this you have a personalized game plan already , but everyone let me know how it goes for you. Share your wins