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Author Topic: $50 credit for new checking account and 3 purchases at ING  (Read 2588 times)

Offline mordylich

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$50 credit for new checking account and 3 purchases at ING
« on: January 07, 2011, 10:45:53 AM »
http://www.ingdirect.com/nofees/

Get started and earn a $50 bonus.

   1. Click on 'Apply Now.'
   2. Open Electric Orange and make a total of 3 Card purchases or Person2Person Payments (or any combo of the two) within 45 days of account opening.
   3. Your $50 bonus will automatically be deposited into your account on day 50.
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Offline AsherO

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #1 on: January 07, 2011, 03:16:43 PM »
Quote from: mordylich on January 07, 2011, 10:45:53 AM
http://www.ingdirect.com/nofees/

Get started and earn a $50 bonus.

   1. Click on 'Apply Now.'
   2. Open Electric Orange and make a total of 3 Card purchases or Person2Person Payments (or any combo of the two) within 45 days of account opening.
   3. Your $50 bonus will automatically be deposited into your account on day 50.


Any credit pull?
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Offline Avid Reader

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #2 on: January 07, 2011, 03:47:14 PM »
If u wait around they usually have better offers for their electric checking. On July 4th they were giving $76 and on black Friday they were giving $103. And it's usually a hard pull, the last time I check the terms they said so clearly.
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Offline Dan

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #3 on: January 08, 2011, 05:44:02 AM »
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Offline AsherO

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #4 on: January 08, 2011, 06:36:59 PM »
Quote from: Dan on January 08, 2011, 05:44:02 AM
Hard Pull

+1

Not worth it for $50 IMHO. Anyone know if they specifically only use one bureau?
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Offline Cholentfresser

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #5 on: January 08, 2011, 06:45:20 PM »
Quote from: AsherO on January 08, 2011, 06:36:59 PM
Not worth it for $50 IMHO. Anyone know if they specifically only use one bureau?
Just wondering, is it really that bad to get a hard pull that it's not worth $50?
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Offline AsherO

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #6 on: January 08, 2011, 06:53:04 PM »
Quote from: Cholentfresser on January 08, 2011, 06:45:20 PM
Just wondering, is it really that bad to get a hard pull that it's not worth $50?
Quote from: Cholentfresser on January 08, 2011, 06:45:20 PM
Just wondering, is it really that bad to get a hard pull that it's not worth $50?

It I'm risking getting declined on a card that gives me $1,000 or more in value (Amex Plat, AA 75K etc.), then yes. All IMHO.
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Offline Dan

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #7 on: January 08, 2011, 09:50:10 PM »
Quote from: AsherO on January 08, 2011, 06:53:04 PM
It I'm risking getting declined on a card that gives me $1,000 or more in value (Amex Plat, AA 75K etc.), then yes. All IMHO.
+1.
$50 ain't enough for me either.
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Offline Cholentfresser

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #8 on: January 08, 2011, 11:59:02 PM »
is it also because by a credit card's hard pull you have a way of earning back those points from your score by using the card properly, but not by a bank account?
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Offline gozalim

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #9 on: January 09, 2011, 01:12:41 AM »
on a related topic; ING savings has federal limit of 6 withdrawals/month. does that limit apply even when linked to an ING checking account?
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Offline Avid Reader

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #10 on: January 09, 2011, 02:09:53 AM »
Quote from: gozalim on January 09, 2011, 01:12:41 AM
on a related topic; ING savings has federal limit of 6 withdrawals/month. does that limit apply even when linked to an ING checking account?

IFAIK every bank has that limit by law, and I know with Chase the limit applied even between ur linked savings and checking accts. (they allow you to withdraw more then 6 time but they are supposedly required by law to charge u for it)
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Offline Avid Reader

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Re: $50 credit for new checking account and 3 purchases at ING
« Reply #11 on: January 09, 2011, 02:16:19 AM »
Quote from: Cholentfresser on January 08, 2011, 11:59:02 PM
is it also because by a credit card's hard pull you have a way of earning back those points from your score by using the card properly, but not by a bank account?

The added credit of the new card lowers your total credit utilization which is seen as a good sign by the banks and credit scoring system and can actually raise your credit score after some time. And after 6 months the pull has even less of an affect of your credit score. But again, for rapid churners each pull lowers the score a bit temporally which in turn limits the amount of approvals they get, so it's best to save a pull for a big bonus.
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