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Are 3 hp's too many??

Senior Contributor

Re: Are 3 hp's too many??


WhiteCollar wrote:

It has no rewards, the fact that they do 3 hp's for all CLI's and the CLI's are never automatic! Smiley Mad


No rewards and $39 AF.   Tha is a good reason to close it.   

Frequent Contributor

Re: Are 3 hp's too many??

My exact thoughts @Wolf3. I won't make a move until its close to the AF bill date. Hoepfully by then I will have another card that can replace it. And yes, I'm eligible for CLI's on my other cards.

Valued Contributor

Re: Are 3 hp's too many??

Id burn some hp's getting increases on other accounts then close it.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor

Re: Are 3 hp's too many??

3 HPs wouldn't bother me. So far all my creditors have pulled EX which seems to be a CA thing. One on TU and EQ has no practical affect.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Senior Contributor

Re: Are 3 hp's too many??

Ewww!!!! I never do clis if the creditor wants to hp me... Forget that!! Maybe since it is a CU... Get copies of your reports yourself and show them ...?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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Valued Contributor

Re: Are 3 hp's too many??

I would not really mind. It is not like the three hard pulls are all on the same report. Sometimes different reports can have different information so I can understand them wanting to see the whole situation.