<prompt> Human: Title says most of it. Banked with Ally for 3 years now have been very happy with them. Got an offer in the mail for a new card they offer Ally CashBack Visa that seemed like it had a good rewards program, so I signed up. I figured since it was through my bank, with whom I have an excellent credit history, that it would not require a hard credit check...but it turns out that the card is managed by a 3rd party who did just that.I got a message through Mint that my credit score had dropped 15 points on 11, so I checked and the it was indeed the hard hit from the card. Now, this is not a HUGE deal for us, because our house is almost paid off, we have no other loans besides a student loan that is now less than 10k, and no plans to finance anything in the near future, but Im not sure what, if any, other ramifications this might have.Is this something I should - or could - dispute? Thoughts?  <response>: Credit cards pretty much always require a hard credit pull. I dont know why youre so concerned. 