04-25-2008 06:36 AM
WHOA, NELLY, STOP, DON'T DO THIS!!!!!
I am now the owner of a Best Buy store card with a CL of $2500. When you hit that button, you do get a hard. In my case, it was on EQ. (Poor old EQ, but at least it wasn't EX.)
Even though my supposed soft app didn't go through initially, the HSBC CSR cheerfully told me that the inq had already gone through, and they just needed to verify my identity, don't know why. They asked if I had ever had various professional licenses, including electrician and private investigator, and they asked me to confirm what city my son lives in (he has a BB card.)
So oh well, I guess I have another place where I can go by a fridge. But this does not appear to be a soft app, or at least, it wasn't for me.
PS: just checked my EQ full report (God bless Equifax Credit Watch Gold), and yup, there it is, Beneficial Financial Bank, Wilmington, DE.
BTW, I would not have done a trial app if I hadn't been willing to live with the consequences. I can promise you, I would not have done this with a WFNNB card. So, cool, I have a Best Buy card. Time to figure out what I can do with it!
04-25-2008 11:32 AM
I am sorry for all who went thru this experience and either got an inquiry they didnt want or just testing the system--however when I completed the process if can up with the fact that I was offered a Gold Rewards Card wtih 59 AF ( I have no AF on no card so I didnt go no further than that--it also noted that I could click this yello bar across the bottom that read to accept the offer--beside that was no thanks and it also stated I had until a date in may to return to accept the offer--no credit limit was ever shown--so instead of hitting to accept offer or try to find out a CL I called the next morning to determine what was done and what they could tell meI was then told that My info was ran to see based off soft pull of credit if I qualified however to determine a CL I would have to go on there and accept the offer so my actual report could be pulled and that decision could be made--there was no other way to find out a limit--which I do believe cause I have never found out an exact CL without apping for the card---however I didnt get an inquiry (I guess different strokes for different folks) again for any who tried and with regrets I apologize for throwing the offer out there or sending you down this apping road --I was just passing on the news the Lending Dept Asst shared with me---have a great weekend!!
04-25-2008 02:58 PM
Hauling, it sounds like I got the same screen you did. It showed the VERID, but I don't need another card so I backed out of it.
04-25-2008 09:49 PM
04-26-2008 05:50 AM
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04-30-2008 07:07 PM
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