No hard pull if ur already in the program. --- Post Merged, Oct 23, 2017 --- If u have an 830, ur credit will NOT be affected by some ridiculously small loan for a phone. --- Post Merged, Oct 23, 2017 --- Something has to be wrong with ur credit. Maybe u don’t realize it. They only ask for a deposit when ur credit is not necessarily bad, but not great either. I think that’s the ONLY reason they ask for a deposit. If u know it’s wrong I would get on credit karma or request a credit report from one of the big 3.