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thekione
Posts: 51
Registered: ‎04-08-2012
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Any store cards that DON'T hard inq?

I'm looking at getting a tablet for going back to school in August, as I'll be living off campus, and it would be easier to haul back and forth than a laptop.  I'd like to be able to buy one, and pay it off over time, not that I necessarily need to, I'd just prefer that as opposed to dumping all the money into it at once.  So my question is, are there any electronics store cards that don't hard inq?  For example, Walmart, BBY, etc?  I'm not looking for a store CREDIT card, just a store card that I can get like 0% for 6 months.

 

Thanks for any input.

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ctb89
Posts: 419
Registered: ‎03-05-2012
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Re: Any store cards that DON'T hard inq?

What's the difference between a store card and a store credit card? They're both the same thing. Do you mean a store card and a general purpose bank card? i.e. Walmart vs. Walmart Discover
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thekione
Posts: 51
Registered: ‎04-08-2012
0

Re: Any store cards that DON'T hard inq?

Yeah, I'm talking Walmart vs Walmart Discover.  Was thinking maybe just the generic walmart wouldn't need a hard inq, since it's not a general purpose CC.

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Super Contributor
marty56
Posts: 5,696
Registered: ‎10-06-2007
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Re: Any store cards that DON'T hard inq?

Bill Me Later will do a HP but no account will show up on your CR so it is FICO score friendly and very usable for online purchases.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011
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Re: Any store cards that DON'T hard inq?


marty56 wrote:

Bill Me Later will do a HP but no account will show up on your CR so it is FICO score friendly and very usable for online purchases.



  +1

Frequent Contributor
mtrsprt
Posts: 335
Registered: ‎07-27-2011
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Re: Any store cards that DON'T hard inq?

Any credit inquiry for actual new credit will be a hard pull.  Don't be afraid of hard pulls.  They are not as bad as most make it seem.  I have 18 hard inquiries within the past 12 months, and I was still approved for a Capital One Sony Rewards card, and a WAL-MART card with just barely over a 617-625 score at this point in time.....With three derogitories still on my report...


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 748 EQ, 766 EX on 11/13/2014
Goal Score: 720-740 Across the board


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Frequent Contributor
ctb89
Posts: 419
Registered: ‎03-05-2012
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Re: Any store cards that DON'T hard inq?

People worry about INQs too much. Unnecessary HPs or ones for CLIs can be annoying, but the new account and AAoA reduction associated with said HP will ding your credit far more than the INQ. But to answer your question, the only store cards I know of that do this are WFFNB pre-approvals.
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MrsBigBucks
Posts: 16
Registered: ‎03-29-2011
0

Re: Any store cards that DON'T hard inq?

My husband and I just bought a Mabbook through Best Buy.  The in-store customer service rep told us that they do a soft pull for their store card.  He got approved for $2000.  BK - 2 years ago not sure but score probably are 630.

 

Hope this helps.

Frequent Contributor
MamboItaliano
Posts: 291
Registered: ‎03-17-2011
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Re: Any store cards that DON'T hard inq?

[ Edited ]

key-key86 wrote:

My husband and I just bought a Mabbook through Best Buy.  The in-store customer service rep told us that they do a soft pull for their store card.  He got approved for $2000.  BK - 2 years ago not sure but score probably are 630.

 

Hope this helps.



In no way, shape, or form do I believe this. 

 

I'd say the CSR didn't know what he was talking about. 

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Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
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Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
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Re: Any store cards that DON'T hard inq?

Wfnnb store cards seem to be being offered to some people online based on some soft pull while at online checkout for that store. No hard inquiry. Some secured visas don't pull hard inquiry. Not aware of any other credit product that reports to big 3 cra that give you credit withoutmhard.
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