Simply viewing your credit offer does not affect your credit score. This is called a soft pull.

For customers who accept and receive credit from Pomelo, we then perform a hard pull with the credit bureaus to formally open your credit line.

This will then show up on your credit report, but on-time payments typically help your credit score, not hurt it.

Pomelo will report your credit history to the major credit bureaus on a monthly basis. In most cases, you may see the most recent status of your account on your credit report shortly after your billing date.