It’s crazier than that. It might be a soft pull or might not be. Whether or not they say it will be a credit check depends on who you are, presumably based on h

It’s crazier than that. It might be a soft pull or might not be. Whether or not they say it will be a credit check depends on who you are, presumably based on how likely their algorithm thinks you are to turn them down. I ran into this recently helping someone with their finances who forgot about random Klarna purchases… I worked off of their credit report, and Klarna was just on there at all. (Obviously lesson #1 was “don’t do Klarna and stuff like it, even though it’s zero interest”).