Do hard credit inquiries only apply to credit card applications?

Hard inquiries apply to each type of loan application or major loan.

Mortgage
Car
Personal loan
Secured loan
Credit card
Secured credit card

Also, keep in mind that some companies that offer great deals with two-year plans, such as cell phones, satellite TV services or similar plans will tell you that they perform a "soft" credit check. However, in some cases, this will end up as a "difficult" query instead. If someone tells you that it is only a "soft" pull on your credit score, be sure to check it a few days later and challenge it with the credit bureau if it appears as a strong pull.

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