Will a preapproved credit card affect my rating?

Skytunnel31

I applied for a mortgage just over 2 months ago, I waited till that mortgage was all approved and credit checks done before I then applied for a credit card to manage daily spending and fully pay it off each month.

But that house sale then fell through and I had to apply for a new mortgage on a higher sale house.  Which would have been a third credit check in less than a month!  Noting my dad offered to provide the addionial funds for the higher deposit

I signed up to the Clearscore app to check my score, and it has offers for "pre-approved" 0% purchase credit cards.  I'm tempted to apply for one because that would let me cover costs for things that I need for the new house, and free up more cash towards the house deposit to reduce the  amount I borrow from my dad.

Does pre-approved mean they won't do a hard credit check on my file if I apply??  Would I be safe to apply for this, or how long should I wait before applying?

Willing2Learn

Even though the card is 'pre-approved', this is subject to final checks.  These checks will include a hard (credit application) search.

boo_star

Skytunnel31 said:

I applied for a mortgage just over 2 months ago, I waited till that mortgage was all approved and credit checks done before I then applied for a credit card to manage daily spending and fully pay it off each month.

But that house sale then fell through and I had to apply for a new mortgage on a higher sale house.  Which would have been a third credit check in less than a month!  Noting my dad offered to provide the addionial funds for the higher deposit

I signed up to the Clearscore app to check my score, and it has offers for "pre-approved" 0% purchase credit cards.  I'm tempted to apply for one because that would let me cover costs for things that I need for the new house, and free up more cash towards the house deposit to reduce the  amount I borrow from my dad.

Does pre-approved mean they won't do a hard credit check on my file if I apply??  Would I be safe to apply for this, or how long should I wait before applying?

Apply AFTER you move into your house.  Not a second before.

PaulW922

Mortgage applications are usually assessed individually so whilst it is good advice to wait, I doubt an extra search will make that much difference. 

DCFC79

Remember your score isn't seen by lenders, your history is whats important.