Will applying for both the HELOC and Rewards cards mean two hard credit checks? Yes, applying for both the HELOC and Rewards cards requires two separate hard credit inquiries. Related articles Where will my in-person signing take place? How do I activate my card? Will the HELOC be secured solely by the dwelling or by the entire property including the land? For HELOCs, what types of homeownership vesting does Aven accept? Can I connect my bank account during the rescission period?