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DansDeals Forum => Credit Cards => Topic started by: Mendel93 on December 09, 2015, 12:24:14 PM

Title: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 12:24:14 PM
There are those companies that offer credit rebuilding and credit card approvals for multiple cards at once with just a "soft inquiry" on your credit report. How's that possible? I tried googling and found that when getting in the mail preapproved offers this is done by a soft inquiry, couldn't find anything related to what I was looking, here on DDF I didn't find anything either. Does anyone have any Info how this is done?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 09, 2015, 12:33:50 PM
Pre approvals are always soft pulls. There are ways to get credit with just a soft pull, but most standard issuing banks perform a hard pull.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Emkay on December 09, 2015, 12:35:32 PM
Pre approvals are always soft pulls.
not the approval. the pre approval letter
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 09, 2015, 12:37:58 PM
not the approval. the pre approval letter
Yup, that's what i meant. Sorry if i was unclear.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 12:39:19 PM
Pre approvals are always soft pulls. There are ways to get credit with just a soft pull, but most standard issuing banks perform a hard pull.
If " There are ways" please share them with us, Thank you!

not the approval. the pre approval letter
That's right.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: incendia on December 09, 2015, 12:40:19 PM
http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 09, 2015, 12:40:37 PM
Google NASA credit union soft pull, for example. PenFed is a hard pull to join, but they give soft pull pre approved lines of credit once you're a member. Ask Mendelssohn for some help, or look around on credit boards.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 09, 2015, 12:41:08 PM
http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/
Yup, was about to write this. Thanks.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 12:43:58 PM
http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/
Yup, was about to write this. Thanks.
"Credit limits on these cards are extremely low, usually $500 or less" This is not what those companies are offering they are offering 50K credit limits divided in a few cards (4-5 cards depending on credit history)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 01:34:50 PM
Google NASA credit union soft pull, for example. PenFed is a hard pull to join, but they give soft pull pre approved lines of credit once you're a member. Ask Mendelssohn for some help, or look around on credit boards.

Nasa credit union is a hard pull, confirmed that via chat on their website, so I'm back to step one, how can we get approved for multiple cards at once with a soft pull? 
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Buruch on December 09, 2015, 01:41:07 PM
If it's soft,  why the need for multiple at once?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 02:10:49 PM
If it's soft,  why the need for multiple at once?
Trying to figure out how it's possible to get approved for CC with just a soft pull. Getting multiple cards with just 1 soft pull just makes it much better!! It's definitely possible because there are those companies that are doing it for you, they ask for 4% of how much they approve you, trying to figure out how they are doing it.
Title: Getting Approved For A CC With A Soft Pull
Post by: yakrot on December 09, 2015, 02:35:16 PM
Trying to figure out how it's possible to get approved for CC with just a soft pull. Getting multiple cards with just 1 soft pull just makes it much better!! It's definitely possible because there are those companies that are doing it for you, they ask for 4% of how much they approve you, trying to figure out how they are doing it.
who are these companies that you are referring to? Can you share a picture of the advertisement you saw this in? How do you know these companies are not simply lying to you?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 09, 2015, 02:35:26 PM
Trying to figure out how it's possible to get approved for CC with just a soft pull. Getting multiple cards with just 1 soft pull just makes it much better!! It's definitely possible because there are those companies that are doing it for you, they ask for 4% of how much they approve you, trying to figure out how they are doing it.

I don't know which company you're referring to, but the SCT is pretty much the only soft app you'll get. (Not recommended at all to have a bunch of toy cards)

What's your current profile look like?

I wouldn't worry about inquiries that much

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 02:58:16 PM
who are these companies that you are referring to? Can you share a picture of the advertisement you saw this in? How do you know these companies are not simply lying to you?
"Supreme Help | 5308 13th Ave, Suite 108 | Brooklyn | NY | 11219"
They are a known company helping people rebuild credit, I'm not referring to this specific company there are a lot of heimishe companies offering it. And yes offering credit cards up to 50K all with a soft pull. 
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 09, 2015, 03:29:03 PM
"Supreme Help | 5308 13th Ave, Suite 108 | Brooklyn | NY | 11219"
They are a known company helping people rebuild credit, I'm not referring to this specific company there are a lot of heimishe companies offering it. And yes offering credit cards up to 50K all with a soft pull.

Please upload pic of ad
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 04:48:22 PM
Please upload pic of ad
It was a verbal conversation I had with one of their employees.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 09, 2015, 05:28:45 PM
It was a verbal conversation I had with one of their employees.

Sorry,

They are full of ****
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 05:32:47 PM
Sorry,

They are full of ****
Jumping to conclusions based on nothing?!
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 09, 2015, 06:19:21 PM
Jumping to conclusions based on nothing?!


Just because someone said something, it doesn't mean it's true
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 06:43:29 PM

Just because someone said something, it doesn't mean it's true
I have heard it from more than one company. To say that they are all a bunch of liars is an option but not the first option.  If you don't know doesn't mean it's impossible that's the reason we're here to gather information together.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 09, 2015, 07:05:07 PM
I have heard it from more than one company. To say that they are all a bunch of liars is an option but not the first option.  If you don't know doesn't mean it's impossible that's the reason we're here to gather information together.

I'm here to protect you bud. I don't want you to run into any problems...

PM me if you'd like...
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 09, 2015, 07:07:27 PM
http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/

Most of those cards are useless.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 09, 2015, 07:13:23 PM
Jumping to conclusions based on nothing?!

Cappy is correct.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 09, 2015, 07:14:45 PM
And yes, there IS a trick to getting a NASA FCU CC with a SP only if you know what you're doing.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 09, 2015, 07:19:14 PM
And yes, there IS a trick to getting a NASA FCU CC with a SP only if you know what you're doing.
Yup. We were waiting for you and Cappy to get involved in this conversation.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 09, 2015, 07:46:03 PM
And yes, there IS a trick to getting a NASA FCU CC with a SP only if you know what you're doing.
Ohh wow so there's a way,  would you mind sharing?  With much appreciation!
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 08:29:53 AM
Apply for membership first and the CC right afterwards.  For most people in this thread, it resulted in 2 soft pulls:  https://creditboards.com/forums/index.php?showtopic=534206

PenFed also gives quarterly soft pull pre approvals that do not result in a HP if accepted.  It's an EQ HP to join though, but you can also use that same HP for any applications for 90 days. 

MOST cards that you can get with a SP are complete garbage and a waste of time, unless your goal is to get a pile of $250 credit limit store cards.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 10, 2015, 08:59:40 AM
Apply for membership first and the CC right afterwards.  For most people in this thread, it resulted in 2 soft pulls:  https://creditboards.com/forums/index.php?showtopic=534206

PenFed also gives quarterly soft pull pre approvals that do not result in a HP if accepted.  It's an EQ HP to join though, but you can also use that same HP for any applications for 90 days. 

MOST cards that you can get with a SP are complete garbage and a waste of time, unless your goal is to get a pile of $250 credit limit store cards.
PenFed would depend on his profile, no? I thought if you come in with bad credit you get blacklisted from the soft pull approvals.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 09:22:51 AM
PenFed would depend in his profile, no? I thought if you come in with bad credit you get blacklisted from the soft pull approvals.

Correct.  Many people who join PenFed with less than perfect credit end up being put in with their "undesirables" group and even after their credit is perfect, they never get the quarterly SP pre approvals.

It's best to join PenFed with a clean EQ and low utilization.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 10, 2015, 09:36:17 AM
MOST cards that you can get with a SP are complete garbage and a waste of time, unless your goal is to get a pile of $250 credit limit store cards.

People are always thinking that excessive inquirys are the reason they are getting denied and they are afraid to app since they have so many.  Usually not the real reason anyway for denial even if they give that as the reason.

As per the OP, he should get himself a prybar and he should be able to get himself High Limits on all his new cards.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hershelsdeals on December 10, 2015, 11:23:07 AM


People are always thinking that excessive inquirys are the reason they are getting denied and they are afraid to app since they have so many.  Usually not the real reason anyway for denial even if they give that as the reason.

As per the OP, he should get himself a prybar and he should be able to get himself High Limits on all his new cards.

-1
Of course excessive inquirys hurt CC approvals.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 10, 2015, 11:28:04 AM

-1
Of course excessive inquirys hurt CC approvals.
You're speaking from a credit expert's standpoint, or what you've heard? You just contradicted someone who's spent a lot of time researching this based on a myth you've been fed from childhood.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 11:36:02 AM

-1
Of course excessive inquirys hurt CC approvals.

I take away your -1 and +10000000

If you truly believe that, you have no idea what you are talking about.

This is from a "credit expert" perspective.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 10, 2015, 11:44:39 AM
I take away your -1 and +10000000

If you truly believe that, you have no idea what you are talking about.

This is from a "credit expert" perspective.
People just don't seem to get the point.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 10, 2015, 11:59:21 AM
I take away your -1 and +10000000

If you truly believe that, you have no idea what you are talking about.

This is from a "credit expert" perspective.
So I can just inquire everyday as long as I keep low utilization, I'm good to go?! Why do we see credit score impacting on inquiries? Why do CC providers even mention inquiries?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 12:14:44 PM
Remember that FICO automatically gives reason codes if you don't have a perfect score. Creditors often spit out those same reasons for denials.

Keeping utilization in check and with a solid profile, inquiries are very rarely the real reason.

I had no problem getting approvals with Amex, Chase and Citi this year with 20+ inquiries on EX. For both Citi apps, I had more than 6 inquiries in the previous 6 months.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: dealfinder85 on December 10, 2015, 12:23:54 PM
Remember that FICO automatically gives reason codes if you don't have a perfect score. Creditors often spit out those same reasons for denials.

Keeping utilization in check and with a solid profile, inquiries are very rarely the real reason.

I had no problem getting approvals with Amex, Chase and Citi this year with 20+ inquiries on EX. For both Citi apps, I had more than 6 inquiries in the previous 6 months.
so why is it bad to play this game pre closing on a house
or is that also a "myth"?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 10, 2015, 01:08:36 PM
Remember that FICO automatically gives reason codes if you don't have a perfect score. Creditors often spit out those same reasons for denials.

Keeping utilization in check and with a solid profile, inquiries are very rarely the real reason.

I had no problem getting approvals with Amex, Chase and Citi this year with 20+ inquiries on EX. For both Citi apps, I had more than 6 inquiries in the previous 6 months.
Once you have the solid credit history, solid credit line and keep low utilization,  then inquiries won't play much of a factor when getting you approved,  BUT "until" you get there I assume lenders do take inquiries into the picture.  Don't you think so?  Based on the fact that you were approved even when you have 6 inquiries it doesn't prove that someone on the way up it won't effect his application.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 10, 2015, 01:42:32 PM
Once you have the solid credit history, solid credit line and keep low utilization,  then inquiries won't play much of a factor when getting you approved,  BUT "until" you get there I assume lenders do take inquiries into the picture.  Don't you think so?  Based on the fact that you were approved even when you have 6 inquiries it doesn't prove that someone on the way up it won't effect his application.
We have a resident expert here, listen to what he says. You can question him to find out more info and clarify things, but arguing with him is absurd.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 02:39:32 PM
so why is it bad to play this game pre closing on a house
or is that also a "myth"?

Because they want to know if you've been looking for credit. That's why they ask you what resulted from the inquiries. That also doesn't keep you from getting a mortgage in most cases.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 02:41:00 PM
Once you have the solid credit history, solid credit line and keep low utilization,  then inquiries won't play much of a factor when getting you approved,  BUT "until" you get there I assume lenders do take inquiries into the picture.  Don't you think so?  Based on the fact that you were approved even when you have 6 inquiries it doesn't prove that someone on the way up it won't effect his application.

No, they still aren't that important.

And I am correct. That's not my opinion.

You can ignore me if you want...if you want to ignore good advice.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 10, 2015, 02:54:30 PM
No, they still aren't that important.

And I am correct. That's not my opinion.

You can ignore me if you want...if you want to ignore good advice.
So if this is the case than why do we see people freeze their credit reports,  who cares that the lender will see inquiries??
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 10, 2015, 03:00:42 PM
So if this is the case than why do we see people freeze their credit reports,  who cares that the lender will see inquiries??

Controlling which CRA gets pulled for a reason such as using your best score.

Plus many of us used to B* inquiries off of EQ and TU as a hobby, so avoiding an EX pull meant all 3 had 0 inquiries.

Again, it was a hobby. The few points gained and lack of inquiries on the report didn't make a difference with approvals.

Start reading CB. This is 101 level stuff that everyone should know.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 13, 2015, 05:38:43 PM
Apply for membership first and the CC right afterwards.  For most people in this thread, it resulted in 2 soft pulls:  https://creditboards.com/forums/index.php?showtopic=534206

PenFed also gives quarterly soft pull pre approvals that do not result in a HP if accepted.  It's an EQ HP to join though, but you can also use that same HP for any applications for 90 days. 

MOST cards that you can get with a SP are complete garbage and a waste of time, unless your goal is to get a pile of $250 credit limit store cards.

Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?

2. I tried applying 3-4 years ago for USAA I was blacklisted because I couldn't prove to them that I was in the army. Later came to my attention that I could have said I'm not in the army and I would've gotten their membership anyway, so now because I'm blacklisted by them am I blacklisted by any other "army" lenders?

3. You mentioned PenFed approves more then card with 1 HP within a 90 period. Is this only applicable for Credit Unions or.. In other words, which CC Provider uses the 1 HP for a 90 day period?

P.S. I did start reading C.B. thank you!


Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 13, 2015, 05:41:30 PM
Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?
Become a member of the National Space Society.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 13, 2015, 05:48:48 PM
Become a member of the National Space Society.
It's $20? Just wanna make sure.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Josef.koney on December 13, 2015, 07:37:57 PM
Become a member of the National Space Society.
Then ur called in the army?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 13, 2015, 08:45:54 PM
Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?

2. I tried applying 3-4 years ago for USAA I was blacklisted because I couldn't prove to them that I was in the army. Later came to my attention that I could have said I'm not in the army and I would've gotten their membership anyway, so now because I'm blacklisted by them am I blacklisted by any other "army" lenders?

3. You mentioned PenFed approves more then card with 1 HP within a 90 period. Is this only applicable for Credit Unions or.. In other words, which CC Provider uses the 1 HP for a 90 day period?

P.S. I did start reading C.B. thank you!

Seriously!!!

All this for a soft pull approval?

Apply for a prime bank like Citi and be done with this...

Stop worrying about a hard pull or 2.

You'll realize soon how silly you are being
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 13, 2015, 08:52:58 PM
Seriously!!!

All this for a soft pull approval?

Apply for a prime bank like Citi and be done with this...

Stop worrying about a hard pull or 2.

You'll realize soon how silly you are being
I'm a bit confused about this also, but that's none of my business. He seems not to want to give more info about why he needs specifically soft pulls, which he's perfectly entitled to.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 08:19:04 AM
Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?

2. I tried applying 3-4 years ago for USAA I was blacklisted because I couldn't prove to them that I was in the army. Later came to my attention that I could have said I'm not in the army and I would've gotten their membership anyway, so now because I'm blacklisted by them am I blacklisted by any other "army" lenders?

3. You mentioned PenFed approves more then card with 1 HP within a 90 period. Is this only applicable for Credit Unions or.. In other words, which CC Provider uses the 1 HP for a 90 day period?

P.S. I did start reading C.B. thank you!

1.  You can join the National Space Society FOR FREE to become eligible.  It's the last option.  I'm not sure where you got the idea that you need military affiliation.

2.  USAA isn't a CU, it's a bank and it is no longer open to non military and their families.  You used to be able to at least have second class membership.

3.  PenFed is the only financial institution that I am aware of that will use the same HP for 90 days.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 14, 2015, 08:31:06 AM
2.  USAA isn't a CU, it's a bank and it is no longer open to non military and their families.  You used to be able to at least have second class membership.
There is an option for someone who had siblings in the army.
Anyone has any experiance with that? Do the check?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 08:31:56 AM
There is an option for someone who had siblings in the army.
Anyone has any experiance with that? Do the check?

Yes, they check.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 14, 2015, 08:34:51 AM
Yes, they check.
So there's no way to get a usaa account nowadays?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: 3yummyboys on December 14, 2015, 08:36:17 AM

Remember that FICO automatically gives reason codes if you don't have a perfect score. Creditors often spit out those same reasons for denials.

Keeping utilization in check and with a solid profile, inquiries are very rarely the real reason.

I had no problem getting approvals with Amex, Chase and Citi this year with 20+ inquiries on EX. For both Citi apps, I had more than 6 inquiries in the previous 6 months.

Do HPs affect approval if you do not have a solid credit history?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 08:36:53 AM
So there's no way to get a usaa account nowadays?

Read the "who can join." 

https://www.usaa.com/inet/pages/why_choose_usaa_main?wa_ref=pub_global_usaaandu
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 08:39:04 AM
Do HPs affect approval if you do not have a solid credit history?

Rarely. 

If you read otherwise on here, ignore it.  There is way to much emphasis put on the importance of inquiries on DDF.  I'm hoping to change that.

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 14, 2015, 08:45:00 AM
Read the "who can join." 

https://www.usaa.com/inet/pages/why_choose_usaa_main?wa_ref=pub_global_usaaandu
They let me join for some reason
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 08:45:57 AM
They let me join for some reason

Just now or years ago?  Until 1-2 years ago, anyone could join.

If you just joined, see if they will let you open a checking account.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 14, 2015, 08:50:57 AM
Just now or years ago?  Until 1-2 years ago, anyone could join.

If you just joined, see if they will let you open a checking account.
Correct, they let me join but not open a bank account
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: 3yummyboys on December 14, 2015, 09:06:09 AM

Rarely. 

If you read otherwise on here, ignore it.  There is way to much emphasis put on the importance of inquiries on DDF.  I'm hoping to change that.

Does that apply even if you have a high utilization ratio?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 09:30:30 AM
Does that apply even if you have a high utilization ratio?

If you apply with high utilization, do you think they really care about inquiries?  No.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 14, 2015, 09:31:28 AM
Correct, they let me join but not open a bank account

Yep. Don't think that you're a member. You can use their credit monitoring though.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 14, 2015, 10:31:45 AM
1.  You can join the National Space Society FOR FREE to become eligible.  It's the last option.  I'm not sure where you got the idea that you need military affiliation.

2.  USAA isn't a CU, it's a bank and it is no longer open to non military and their families.  You used to be able to at least have second class membership.

3.  PenFed is the only financial institution that I am aware of that will use the same HP for 90 days.
Thank you for the detailed information I appreciate it!
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendel93 on December 14, 2015, 10:34:30 AM



There is way to much emphasis put on the importance of inquiries on DDF.  I'm hoping to change that.
Slowly but surely,  starting to see improvement!

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 14, 2015, 01:39:51 PM
There is way to much emphasis put on the importance of inquiries on DDF.  I'm hoping to change that.

I've tried to stress that point many times here  ;)

Some people here only what they want to here
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 14, 2015, 02:45:20 PM


I've tried to stress that point many times here  ;)

Some people hear only what they want to hear.
FTFY

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 14, 2015, 04:11:09 PM
FTFY

That was an honest mistake.

Wow  ;D
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 14, 2015, 05:04:48 PM
That was an honest mistake.

Wow  ;D
Sorry. I try not to correct spelling, but sometimes it's just painful.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: yitrap on December 14, 2015, 05:17:28 PM
Second here could have stayed
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 14, 2015, 06:15:42 PM
Sorry. I try not to correct spelling, but sometimes it's just painful.

I'm almost starting to think it was my iPhone that did it. :)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 15, 2015, 02:45:04 PM
Mendelssohn, you are amazing. Thanks for the heads up on NASA FCU! I was instantly approved for membership, immediately applied for the card and got a fairly high limit (for me, at least)!

I will post whether SP or HP - though I promise not to worry about HPs as much anymore :)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 15, 2015, 02:47:22 PM
Mendelssohn, you are amazing. Thanks for the heads up on NASA FCU! I was instantly approved for membership, immediately applied for the card and got a fairly high limit (for me, at least)!

I will post whether SP or HP - though I promise not to worry about HPs as much anymore :)

Congrats!
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 15, 2015, 02:58:01 PM
Thanks! Seriously, without DDFers I'd still have a crappy Capital One and never fly anywhere for free!
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 15, 2015, 03:04:08 PM
Thanks! Seriously, without DDFers I'd still have a crappy Capital One and never fly anywhere for free!

Mendelssohn and I came here from CreditBoards. We were helped when we started out and we are just paying it forward.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 15, 2015, 03:50:20 PM
I checked my EX CR - NASA FCU was a SP for both membership and the Travel Rewards Visa.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 15, 2015, 06:17:35 PM
Mendelssohn, you are amazing. Thanks for the heads up on NASA FCU! I was instantly approved for membership, immediately applied for the card and got a fairly high limit (for me, at least)!

I will post whether SP or HP - though I promise not to worry about HPs as much anymore :)
How did you join NASA fcu?
Did you join NSS for $20 or found a way to do it for free?
TIA
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 15, 2015, 06:20:46 PM
How did you join NASA fcu?
Did you join NSS for $20 or found a way to do it for free?
TIA
Where did you get $20 from?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 15, 2015, 06:21:23 PM
Where did you get $20 from?
Nss site
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 15, 2015, 07:35:48 PM
How did you join NASA fcu?
Did you join NSS for $20 or found a way to do it for free?
TIA

Go to https://www.nasafcu.com/ (https://www.nasafcu.com/). Under "Personal Banking" select "Membership." Select "Open an Account." A new window will open. Select "Open an Account." Under "Disclosure," select option 4 that begins with "I would like to become a member of the National Space Society (NSS)- this membership is complimentary and entitles me to join NASA FCU." Proceed with membership, fund a savings account for $5 and go back to the home page. Select "Apply for a credit card" and you'll have three options (I selected the Travel Rewards Visa). Complete the application by selecting "Prefill the Application." Enter your brand new NASA FCU credentials and complete the app. I got two SPs on EX, though YMMV.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Josef.koney on December 15, 2015, 08:44:47 PM
Could someone explain what's the bug deal?  Is there a good offer or something?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: TimT on December 15, 2015, 09:14:30 PM
Mendelssohn and I came here from CreditBoards. We were helped when we started out and we are just paying it forward.
Just curious, how did you hear of DDF ? And how would you compare DDF'ers to CB'ers ? :)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 12:09:44 AM
Just curious, how did you hear of DDF ? And how would you compare DDF'ers to CB'ers ? :)

I've been browsing DD for years, so I was always aware of the site. Just never read the forums that much over here. 

I feel like the members here are very helpful to each other, however I also feel like certain members are very critical.

You've been here a while I see. How am I doing so far? Do you read my posts here?  :)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: yakrot on December 16, 2015, 01:09:29 AM

Just now or years ago?  Until 1-2 years ago, anyone could join.

If you just joined, see if they will let you open a checking account.
i signed up for usaa years ago back when they allowed non military to sign up and open bank accounts. I never opened a bank account though do you think I will still be able to?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: yakrot on December 16, 2015, 01:18:23 AM
(http://images.tapatalk-cdn.com/15/12/15/68b9b26546e9975f42e2563a7c475dbd.jpg)  I tried and it did not work
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: TimT on December 16, 2015, 01:48:10 AM
You've been here a while I see.
I've been there a while as well ;)
How am I doing so far? Do you read my posts here?  :)
You're doing just fine
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 02:20:05 AM
I've been there a while as well ;) You're doing just fine

:) What's your username there?

If you don't want to share publicly, please PM ;)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 02:55:02 AM
Go to https://www.nasafcu.com/ (https://www.nasafcu.com/). Under "Personal Banking" select "Membership." Select "Open an Account." A new window will open. Select "Open an Account." Under "Disclosure," select option 4 that begins with "I would like to become a member of the National Space Society (NSS)- this membership is complimentary and entitles me to join NASA FCU." Proceed with membership, fund a savings account for $5 and go back to the home page. Select "Apply for a credit card" and you'll have three options (I selected the Travel Rewards Visa). Complete the application by selecting "Prefill the Application." Enter your brand new NASA FCU credentials and complete the app. I got two SPs on EX, though YMMV.
Thanks
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 02:55:54 AM
Does NASA credit card report monthly to the three credit bureaus?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 16, 2015, 10:52:27 AM
Could someone explain what's the bug deal?  Is there a good offer or something?

It's an easy-to-get card with a soft pull that approves a relatively high limit. Might not be for everyone, but I like having the large credit line available for emergencies.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 16, 2015, 10:53:30 AM
Does NASA credit card report monthly to the three credit bureaus?

I can't say for sure yet, but don't all Visa cards report to the big 3?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 12:48:14 PM
I can't say for sure yet, but don't all Visa cards report to the big 3?
Lav davka.
If they don't pull maybe they don't report
(Thinking this is a great start for beginners to credit cards to build credit)
Please report back after the month
TIA
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 12:49:13 PM
It's an easy-to-get card with a soft pull that approves a relatively high limit. Might not be for everyone, but I like having the large credit line available for emergencies.
About what is the credit line they give?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 16, 2015, 12:55:48 PM
About what is the credit line they give?
$11,248.17
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 01:25:18 PM
$11,248.17
Not bad!
Thanks
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 01:26:29 PM
$11,248.17

That's an awesome numbered CL  :D
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 16, 2015, 01:26:49 PM
Not bad!
Thanks
I was joking!!! Did you ever see a credit limit in such a format?! Seriously, what kind of question is what credit limit do they give?  It's  different for everyone. If you want to know if they're relatively generous, they are.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: emjee on December 16, 2015, 01:36:03 PM
About what is the credit line they give?

$11,248.17

Not bad!
Thanks

That's an awesome numbered CL  :D

I was joking!!! Did you ever see a credit limit in such a format?! Seriously, what kind of question is what credit limit do they give?  It's  different for everyone. If you want to know if they're relatively generous, they are.
Lol. I knew something was up with that CL number.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 01:42:52 PM
Was wondering...
You never know with such an interesting lender...
Just want to know beerech what limit, $1k - $5, $5 -$10 ect.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 16, 2015, 03:40:36 PM
Was wondering...
You never know with such an interesting lender...
Just want to know beerech what limit, $1k - $5, $5 -$10 ect.

I've seen anywhere from $10K to $25K. They approved me for $20K which makes this my highest CL. As David Smith said, they are generally generous.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 16, 2015, 03:52:03 PM
I've seen anywhere from $10K to $25K. They approved me for $20K which makes this my highest CL. As David Smith said, they are generally generous.
Thanks
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 16, 2015, 05:01:30 PM
Yes, they report to all 3.

In the thread from CB that I linked, there were a lot of $30K approvals which is the max limit. Their max used to be $50K.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 16, 2015, 05:05:03 PM
Just curious, how did you hear of DDF ? And how would you compare DDF'ers to CB'ers ? :)

DDFers are very knowledgable about rewards and not so much about credit reports and scoring.

That's my honest opinion.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Marko Rubio on December 16, 2015, 05:19:03 PM
DDFers are very knowledgable about rewards and not so much about credit reports and scoring.

That's my honest opinion.
but I doubt that all CB'ers are so knowledgeable in scoring like you and cappy and pillan, as you mentioned you are in a lucky group with bobwang..... 
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 16, 2015, 05:22:44 PM
but I doubt that all CB'ers are so knowledgeable in scoring like you and cappy and pillan, as you mentioned you are in a lucky group with bobwang.....

While that is true, a lot of what has been discussed regarding reports and scores here is 101 level info on CB that gets drilled into the heads of every newbie.

Having a solid knowledge of reports and scores can only help you in this game.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 16, 2015, 05:45:39 PM
DDFers are very knowledgable about rewards and not so much about credit reports and scoring.

That's my honest opinion.
Definitely. However, i feel that in a way, CB people are the other extreme. They like having perfect scores and high CL's to show off that great profile, but I'm sometimes unsure what exactly they are planning on using that great profile to do. They seem to like having huge CL's, and consider that a huge factor in what card to get, and seem sometimes hesitant to get new cards as apposed to getting a CLI on an old one because of the possible drag a new TL can have on their scores. DDFers are just the opposite. They know exactly what they want to do with that great profile, but are a bit unsure how to achieve it. Just IMHO.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 16, 2015, 05:51:42 PM
Definitely. However, i feel that in a way, CB people are the other extreme. They like having perfect scores and high CL's to show off that great profile, but I'm sometimes unsure what exactly they are planning on using that great profile to do. They seem to like having huge CL's, and consider that a huge factor in what card to get, and seem sometimes hesitant to get new cards as apposed to getting a CLI on an old one because of the possible drag a new TL can have on their scores. DDFers are just the opposite. They know exactly what they want to do with that great profile, but are a bit unsure how to achieve it. Just IMHO.

Goals vary greatly on CB. Most people want a solid profile so that when the next credit crunch comes, a CLD by a few issuers won't be a big deal. It has happened and will happen. The time to get credit is when you don't need it.

Some are happy with a handful of cards and others have 200+. Some want to maintain high credit score and don't care about rewards and others want to get all they can from their credit.

Of course having high scores and never taking them for a test drive is boring.

If you have super prime scores though, you are only limited by your income.

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 10:14:58 PM
Definitely. However, i feel that in a way, CB people are the other extreme. They like having perfect scores and high CL's to show off that great profile, but I'm sometimes unsure what exactly they are planning on using that great profile to do. They seem to like having huge CL's, and consider that a huge factor in what card to get, and seem sometimes hesitant to get new cards as apposed to getting a CLI on an old one because of the possible drag a new TL can have on their scores. DDFers are just the opposite. They know exactly what they want to do with that great profile, but are a bit unsure how to achieve it. Just IMHO.

I must say that DDF is a very friendly forum compared to CB... There have been some mod issues and there are ridiculous threads that come up. Even members that are major contributors don't always get the respect they deserve. TBH, I don't always feel comfortable and a few members get terribly on my nerves. There are definitely more knowledgeable members on CB than me. However, I'm in no way a starter when it comes to credit. I try to contribute any new knowledge when available, but I absolutely hate being bashed. I've learned to stop being so sensitive.

If I even helped one person even in a 10,000 page thread, I feel like I accomplished.



Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 16, 2015, 10:23:15 PM
I must say that DDF is a very friendly forum compared to CB... There have been some mod issues and there are ridiculous threads that come up. Even members that are major contributors don't always get the respect they deserve. TBH, I don't always feel comfortable and a few members get terribly on my nerves. There are definitely more knowledgeable members on CB than me. However, I'm in no way a starter when it comes to credit. I try to contribute any new knowledge when available, but I absolutely hate being bashed. I've learned to stop being so sensitive.

If I even helped one person even in a 10,000 page thread, I feel like I accomplished.
I'm sorry to hear that there are bashers. Please don't take them to heart. (I hope I'm not one of them.)
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 10:48:21 PM
I'm sorry to hear that there are bashers. Please don't take them to heart. (I hope I'm not one of them.)

Nah... You're good , but I was referring to CB not DDF..  ;)

My main issue from almost all my posts is that I'm misunderstood.

 I think I need the grammar police on my case.

I'm sure you noticed that even though I know what I'm talking about most the time, the way I explain things are very odd.

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 10:50:22 PM
It's got me into a lot of fights because I can't explain myself very well...

It sucks to not be able to speak proper English
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: ydf on December 16, 2015, 11:39:52 PM
It's got me into a lot of fights because I can't explain myself very well...

It sucks to not be able to speak proper English
great to have ppl here like u and mendelssoh, i think u can also contribute alot to the idea mendelssohn brought up on the credit score forum regarding opening here a credit score master thread
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Cappy on December 16, 2015, 11:48:08 PM
great to have ppl here like u and mendelssoh, i think u can also contribute alot to the idea mendelssohn brought up on the credit score forum regarding opening here a credit score master thread

I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: ydf on December 16, 2015, 11:59:35 PM
I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
should we stay tuned? A different type... I hope its related to credit scoring issues
and if i may ask why r u exhausted?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: yakrot on December 17, 2015, 12:00:12 AM

I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
looking forward
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Marko Rubio on December 17, 2015, 12:04:12 AM
I plan on opening a different type of thread either tonight or tomorrow.

I'm exhausted
cant wait!, i guess u wana do the same thing mendelssohn wants to do here CMIIW
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 17, 2015, 12:50:05 AM


if i may ask why r u exhausted?
Because it's late! What kind of question is that?

Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 17, 2015, 06:07:41 PM
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 17, 2015, 06:08:36 PM
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link
A) don't believe everything you read.
B) why can't you link on Tapatalk?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Mendelssohn on December 17, 2015, 06:11:17 PM
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link

Then DOC doesn't know how to do it properly.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 17, 2015, 06:13:29 PM
A) don't believe everything you read.
B) why can't you link on Tapatalk?
My tapatalk freezes every time I paste
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 17, 2015, 06:14:09 PM
My tapatalk freezes every time I paste
Weird. Android or ios?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 17, 2015, 06:14:41 PM
Weird. Android or ios?
Android
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: David Smith on December 17, 2015, 06:15:23 PM
Android
Strange. I never had a problem. What version android, and what version Tapatalk?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Hidden on December 17, 2015, 06:17:23 PM
Strange. I never had a problem. What version android, and what version Tapatalk?
Old old
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Labeled1 on December 18, 2015, 11:24:26 AM
doctor of credit claims that there are reports of 2 hard pulls, one for the savings account and one for the credit card, also that they are hard to deal with.
On tapatalk so can't link

I don't post a lot, so I may not represent a bastion of credibility, but the folks here may:

https://creditboards.com/forums/index.php?showtopic=534206&page=1 (https://creditboards.com/forums/index.php?showtopic=534206&page=1)

Mendelssohn linked here earlier. I followed the instructions to a "T" and got approved for $20K on 2 soft pulls. YMMV.
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: Emkay on December 19, 2015, 02:12:09 PM
regarding opening here a credit score master thread
what do you mean?
whats this (http://forums.dansdeals.com/index.php?topic=96.1800) ?
Title: Re: Getting Approved For A CC With A Soft Pull
Post by: yochiek93 on December 20, 2015, 03:07:46 AM
Old old
Post your problem with the versions here someone might be able to help http://forums.dansdeals.com/index.php?topic=16108.0