Author Topic: Getting Approved For A CC With A Soft Pull  (Read 10386 times)

Offline 3yummyboys

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Re: Getting Approved For A CC With A Soft Pull
« Reply #60 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?

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #61 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.

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #62 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.

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #63 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!

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #64 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!


Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #65 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

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #66 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

Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #67 on: December 14, 2015, 04:11:09 PM »
FTFY

That was an honest mistake.

Wow  ;D

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #68 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.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline yitrap

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Re: Getting Approved For A CC With A Soft Pull
« Reply #69 on: December 14, 2015, 05:17:28 PM »
Second here could have stayed

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #70 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. :)

Offline Labeled1

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Re: Getting Approved For A CC With A Soft Pull
« Reply #71 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 :)

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #72 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!

Offline Labeled1

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Re: Getting Approved For A CC With A Soft Pull
« Reply #73 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!

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #74 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.