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Contributor
londonhogfan
Posts: 142
Registered: ‎01-15-2013

Already have a Walmart Discover - If I apply for another GE Card...

Already have a Walmart Discover - If I apply for another GE Card will it be a hard pull?

 

Is there a way to do it as a soft pull by calling or certain links?

 

Thanks



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Moderator
09Lexie
Posts: 24,414
Registered: ‎09-13-2012

Re: Already have a Walmart Discover - If I apply for another GE Card...

[ Edited ]
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Already have a Walmart Discover - If I apply for another GE Card...


londonhogfan wrote:

Already have a Walmart Discover - If I apply for another GE Card will it be a hard pull?

 

Is there a way to do it as a soft pull by calling or certain links?

 

Thanks


Nope, all GE apps will be a HP each.

 

And they are WELL worth it!!!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
londonhogfan
Posts: 142
Registered: ‎01-15-2013

Re: Already have a Walmart Discover - If I apply for another GE Card...

Thanks. I figured that was the case. I wish I had checked on barclays before doing a CLI last night. I would have rather used that HP for a paypal card.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Already have a Walmart Discover - If I apply for another GE Card...


londonhogfan wrote:

Thanks. I figured that was the case. I wish I had checked on barclays before doing a CLI last night. I would have rather used that HP for a paypal card.


GE isnt real INQ sensitive, if you want it and your util is good and have some history i'd go for it!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011

Re: Already have a Walmart Discover - If I apply for another GE Card...


LS2982 wrote:

londonhogfan wrote:

Thanks. I figured that was the case. I wish I had checked on barclays before doing a CLI last night. I would have rather used that HP for a paypal card.


GE isnt real INQ sensitive, if you want it and your util is good and have some history i'd go for it!!

 


LS is on the money with that.  Like a lot of MyFico members, he'll also tell you GE accounts sometimes (usually) start small, but can grow well!

Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: Already have a Walmart Discover - If I apply for another GE Card...


RyVision wrote:

LS2982 wrote:

londonhogfan wrote:

Thanks. I figured that was the case. I wish I had checked on barclays before doing a CLI last night. I would have rather used that HP for a paypal card.


GE isnt real INQ sensitive, if you want it and your util is good and have some history i'd go for it!!

 


LS is on the money with that.  Like a lot of MyFico members, he'll also tell you GE accounts sometimes (usually) start small, but can grow well!


How true that is!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Already have a Walmart Discover - If I apply for another GE Card...


RyVision wrote:

LS2982 wrote:

londonhogfan wrote:

Thanks. I figured that was the case. I wish I had checked on barclays before doing a CLI last night. I would have rather used that HP for a paypal card.


GE isnt real INQ sensitive, if you want it and your util is good and have some history i'd go for it!!

 


LS is on the money with that.  Like a lot of MyFico members, he'll also tell you GE accounts sometimes (usually) start small, but can grow well!


My GE Walmart starts at 600, now it's at 5k. About 18 months. Slower than most.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009

Re: Already have a Walmart Discover - If I apply for another GE Card...

+1000  Got my WM card in Aug - $700 limit. Now - $5K   Got Lowes in June 2012 - $500. Now - $6300. GE Cards are awesome!!!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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