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Member
Posts: 11
Registered: ‎04-24-2013
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Bill Me Later App Question

I'm thinking of using Bill Me Later for an Ebay purchase instead of my checking account or a credit card.  My question is will there be a hard inquiry if the app is only asking for my last 4 digits and birthday?

MyFicos Ex 628 Eq 608 Tu 644
Valued Contributor
Posts: 1,214
Registered: ‎02-03-2013
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Re: Bill Me Later App Question

Sounds like a SP, not sure, I opened an account in Nov '12, they did a HP through EQ

Maybe they are doing pre-approvals now, that's what they sould all do and save the HP if not

approved, IMO


Starting Score TU 667 EQ 663 EX 655
Current Score TU 752 EQ 749 EX 757 Last Update 3/2015
Garden Club 04/10/2013 (Goal 2015 or Longer)



Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Bill Me Later App Question

Valued Contributor
Posts: 1,214
Registered: ‎02-03-2013
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Re: Bill Me Later App Question

I forgot to mention that they do alot of 30,60,90 day intrest free promos on purchasesSmiley Wink


Starting Score TU 667 EQ 663 EX 655
Current Score TU 752 EQ 749 EX 757 Last Update 3/2015
Garden Club 04/10/2013 (Goal 2015 or Longer)



Established Contributor
Posts: 669
Registered: ‎11-13-2012
0

Re: Bill Me Later App Question

Hard pull on EX
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
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Epic Contributor
Posts: 25,813
Registered: ‎10-23-2007
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Re: Bill Me Later App Question


kyled wrote:

I'm thinking of using Bill Me Later for an Ebay purchase instead of my checking account or a credit card.  My question is will there be a hard inquiry if the app is only asking for my last 4 digits and birthday?


HP to apply but all future uses will look exact same way but will always be SP or use SP on file they take monthly... No more HP's!

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
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