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

Contributor

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
Message 1 of 9
8 REPLIES
Moderator Emerita

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

Message 2 of 9
Mega Contributor

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!!!!

 




EQ FICO 548 3/3/16
Message 3 of 9
Contributor

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
Message 4 of 9
Mega Contributor

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!!

 




EQ FICO 548 3/3/16
Message 5 of 9
Valued Contributor

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!

Message 6 of 9
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 9
Valued Contributor

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%
Message 8 of 9
Regular Contributor

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


Take the FICO Fitness Challenge
Message 9 of 9