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In terms of usage, it’s an identical replacement for a regular credit card, which can be very Credit cards that do not require a credit check are often secured credit cards that are costly to obtain. Consumers who need to improve their credit scores will likely choose this option if they also need access to a credit card for travel No-credit-check loans only make sense when your back is against a financial wall. Here's what to watch out for, and other options to consider. No-credit-check loans make it possible to borrow without undergoing the hard credit inquiry that Soft credit inquiries are credit checks that aren't tied to a loan application and do not affect your credit score. Learn the difference between soft and hard pulls. A soft credit check is a type of inquiry that doesn't affect your credit s Credit inquiries can taint your score.