To help determine if your insurance is accepted, we recommend taking the following steps: 1  Call the member service information number located on the back of your insurance card. 2  Inform your insurance that you will be visiting MinuteClinic.  Confirm your benefits and coverage for the specific service you're seeking.
A hard inquiry is an inquiry that occurs when a prospective lender checks your credit report to make a lending decision. Hard inquiries can slightly lower your credit score and will typically stay on your report for two years.
Getting a new credit card -- on purpose or inadvertently -- affects your credit score three ways. You're likely to see a change in your score based on a new credit inquiry, an increased number of open accounts, and the change to your available credit utilization ratio. Here's how each affects your score: 1  New credit inquiry.