What Credit Cards Only Pull Experian in 2022?

As a credit card expert, I know that many credit card companies will pull your credit report from one or more of the three major credit bureaus: Experian, Equifax, and TransUnion. However, if you’re looking to apply for a new credit card in 2022, you may be wondering which credit cards only pull Experian. In this article, I will provide you with a comprehensive list of credit cards that only pull Experian, along with some tips on how to apply for a credit card and manage your credit card wisely.

Credit Cards That Only Pull Experian in 2022

First, let’s take a look at some of the credit cards that only pull Experian. These credit cards are ideal for people who want to avoid having too many hard inquiries on their credit report, which can lower their credit score.

1. Discover it Cash Back

Discover it Cash Back is a popular credit card that only pulls Experian. This card offers 5% cash back on rotating categories each quarter, and 1% cash back on all other purchases. There’s no annual fee, and Discover will match all the cash back you earn in your first year as a cardholder.

2. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is another credit card that only pulls Experian. This card offers unlimited 1.5% cash back on all purchases, and there’s no annual fee. Plus, you can earn a $200 cash bonus if you spend $500 on purchases within the first three months of opening your account.

3. Chase Freedom Unlimited

The Chase Freedom Unlimited is a credit card that only pulls Experian. This card offers unlimited 1.5% cash back on all purchases, and there’s no annual fee. Plus, you can earn a $200 bonus if you spend $500 on purchases within the first three months of opening your account.

Tips on Applying for a Credit Card

When applying for a credit card, it’s important to keep in mind some tips that can help you get approved and avoid any potential pitfalls.

1. Check Your Credit Score

Before applying for a credit card, it’s a good idea to check your credit score. You can get a free credit report from each of the three major credit bureaus once a year at AnnualCreditReport.com. This will give you an idea of where you stand and which credit cards you may be eligible for.

2. Apply for the Right Card

Make sure you apply for a credit card that meets your needs and matches your credit score. If you have a low credit score, you may want to apply for a secured credit card rather than an unsecured credit card.

3. Don’t Apply for Too Many Cards at Once

Applying for too many credit cards at once can lower your credit score and make it more difficult to get approved for a credit card in the future. Only apply for the cards that you really need and that match your credit score.

Managing Your Credit Card Wisely

Once you have a credit card, it’s important to manage it wisely to avoid any potential issues.

1. Pay Your Bill on Time

Make sure you pay your credit card bill on time each month. Late payments can result in fees and damage your credit score.

2. Keep Your Balance Low

Try to keep your credit card balance low to avoid accruing too much interest and to keep your credit utilization ratio low.

3. Monitor Your Credit Report

Regularly monitor your credit report to make sure there are no errors or fraudulent activity. You can get a free credit report from each of the three credit bureaus at AnnualCreditReport.com.

Conclusion

In conclusion, there are several credit cards that only pull Experian, which can be a good option for people who want to avoid too many hard inquiries on their credit report. When applying for a credit card, make sure you check your credit score, apply for the right card, and don’t apply for too many cards at once. Once you have a credit card, make sure you manage it wisely by paying your bill on time, keeping your balance low, and monitoring your credit report regularly. By following these tips, you can make the most of your credit card and avoid any potential issues.