Mortgages and car loan pre-approvals definitely involve a hard pull—but the effect is temporary and only a few points, so it is still very much worth shopping a

Mortgages and car loan pre-approvals definitely involve a hard pull—but the effect is temporary and only a few points, so it is still very much worth shopping around for the best rate. AFAIK some credit cards will let you do a soft pull to see if you would be approved, but still need a hard inquiry before opening the account.