Blispay: 2% cashback & 0% interest for 6mo on big purchases

[willwar14]

I just applied for it, with all cra's frozen. will report back to see who they tried to pull.

[pdxmike]

They use First Electronic Bank, which handles Fry's CC. A search of the Credit Pulls DB for Frys/Fry's shows 6 entries: 3 EX, 2 EQ, 1 TU. So they could pull at random.

[CreditCuriosity]

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@willwar14 wrote:

I just applied for it, with all cra's frozen. will report back to see who they tried to pull.

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This is how I personally find out what a lender wants from me then I decide do I want the card bad enough to get a HP from that CRA when I apply for credit.  Nothing wrong with it IMO as you aren't stacking the odds in your favor, just finding out what they want and can unfreeze it for them if you want the HP or give them a PIN to access CR

[Anonymous]

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@CreditCuriousity wrote:

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@willwar14 wrote:

I just applied for it, with all cra's frozen. will report back to see who they tried to pull.

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This is how I personally find out what a lender wants from me then I decide do I want the card bad enough to get a HP from that CRA when I apply for credit.  Nothing wrong with it IMO as you aren't stacking the odds in your favor, just finding out what they want and can unfreeze it for them if you want the HP or give them a PIN to access CR

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quick one, does it COST money if you freeze your CRAs??? sorry im newb!

[Ghoshida]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@willwar14 wrote:

I just applied for it, with all cra's frozen. will report back to see who they tried to pull.

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This is how I personally find out what a lender wants from me then I decide do I want the card bad enough to get a HP from that CRA when I apply for credit.  Nothing wrong with it IMO as you aren't stacking the odds in your favor, just finding out what they want and can unfreeze it for them if you want the HP or give them a PIN to access CR

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quick one, does it COST money if you freeze your CRAs??? sorry im newb!

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Depends on your state. Find out more here: https://help.equifax.com/app/answers/detail/a_id/75/~/security-freeze-fees-and-requirements

I have all reports frozen (one time fee). I pay a temp lifting fee everytime I'm about to app. Keeps the itch away

[CreditCuriosity]

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@Ghoshida wrote:

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@willwar14 wrote:

I just applied for it, with all cra's frozen. will report back to see who they tried to pull.

---

This is how I personally find out what a lender wants from me then I decide do I want the card bad enough to get a HP from that CRA when I apply for credit.  Nothing wrong with it IMO as you aren't stacking the odds in your favor, just finding out what they want and can unfreeze it for them if you want the HP or give them a PIN to access CR

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quick one, does it COST money if you freeze your CRAs??? sorry im newb!

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Depends on your state. Find out more here: https://help.equifax.com/app/answers/detail/a_id/75/~/security-freeze-fees-and-requirements

I have all reports frozen (one time fee). I pay a temp lifting fee everytime I'm about to app. Keeps the itch away

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Correct...  In my state it is free to temporary lift a security freeze

[Anonymous]

im in california. so not free. i'll wait til i become a victim of identity theft i guess. lolz jk! 

[longtimelurker]

I think the warning on the DoC site is very true, this will be somewhat a target for MS.    One of the constraints of many methods is the need to quickly liquidate the asset to pay off charges.   If it's 0% for 6 months, that ceases to be much of problem, so volume can go up, causing big costs to the issuer.

[Anonymous]

I just tried as well. My EQ is the only one not on ice. Came back with I'll get a letter in the mail. Perhaps they pull TU or Ex??

[CreditCuriosity]

 Believe it is EXP based on the bank that backs them being First Electronic Bank, Utah