10-07-2010 11:18 PM
While logged into my Amex CC account, I noticed that I'm "Pre-Approved" for three charge card products:
Since I'm "Pre-Approved," would I incur an inquiry if I applies for one of these cards?
10-07-2010 11:36 PM
Yes you will still incur an inquiry.
10-08-2010 03:40 AM
Since you have a Zync already I believe it would be considered a product change which would not require a hard inquiry.
If you apply for a credit card then that would require a hard hit.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO