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Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

[ Edited ]

Edit: Seems I'm still right ;P

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
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Re: Credit Card Via Soft Pull?!

good to know list. I'm not aping but good to know.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
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Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
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Re: Any Negative in Getting A Credit Card Via Soft Pull?!


XxRaVeNxX wrote:

Correct, just go to the website, and click check out. If you match the criteria, a pop up will show up. They don't need social... It stands for Wells Fargo..


They indeed DO ask for your ss#.  I've gotten 4 different CC's this way.  Ascreen pops up just as you are about to checkout and tells you that you are preapproved for $X.XX dollars.  It then says something along the lines of "to accept this offer please enter the last 4 digits of SS#".  And not has one popped up that didn't request a SS# for me.  

 

So are you saying that you never had to enter yours?  If so how did they verify it was really you?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
j_casteel
Posts: 1,908
Registered: ‎06-21-2012
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Re: Any Negative in Getting A Credit Card Via Soft Pull?!

lol, I just did this for S&G's.....my wife use to have a Victoria's Secret card but stopped using it and eventually closed it. 

 

I just decided to see what would happen so I went a put in a pair of panties and went to check out and it said I was pre-approved for a $350 card....lol. 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
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Re: Any Negative in Getting A Credit Card Via Soft Pull?!

[ Edited ]

Rhaeny wrote:
They indeed DO ask for your ss#.  I've gotten 4 different CC's this way.  Ascreen pops up just as you are about to checkout and tells you that you are preapproved for $X.XX dollars.  It then says something along the lines of "to accept this offer please enter the last 4 digits of SS#".  And not has one popped up that didn't request a SS# for me.  

 

So are you saying that you never had to enter yours?  If so how did they verify it was really you?


 

Well, they don't ask for a full social..only a partial...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!


XxRaVeNxX wrote:

Rhaeny wrote:
They indeed DO ask for your ss#.  I've gotten 4 different CC's this way.  Ascreen pops up just as you are about to checkout and tells you that you are preapproved for $X.XX dollars.  It then says something along the lines of "to accept this offer please enter the last 4 digits of SS#".  And not has one popped up that didn't request a SS# for me.  

 

So are you saying that you never had to enter yours?  If so how did they verify it was really you?


 

Well, they don't ask for a full social..only a partial...


Then why did you so adamantly tell the earlier poster that they don't ask for a ss# then?  Asking for a partial is in essence the same as asking for the full number because you still have to verify it.  So why you would even say that they don't ask for a ss# is beyond me.  Anyone who has gotten these offers knows that.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

1. I don't think anyone was adamant about anything. Do you know the definition of this word?

 

2. Technically, they don't ask for the social. Just the last four digits. (And some people determine a hard pull is made, if they ask for all nine digits). Your rationale is the equivilant of saying they ask for my address, when all they did was ask for my zip code.

 

3. Why are you so butthurt and emotionally involved in this thread, to bring it back up and reply and have nothing of substance or value to add to the topic, with the intention it seems to argue. That's the epitome of a troll.

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Established Contributor
shane82388
Posts: 979
Registered: ‎07-16-2010
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Can anyone really verify if theres no hard inquiry, EVER?

 

if you JUST go tthese cards a hard inquiry might not show up right away id imagine...?

 

Id be interested in a J. Crew card, especially if it helps my utilization without a credit inquiry...It says im pre-approved on check out but if i click "Yes, Learn More" will that be considered accepting the card and risk a hard inquiry? I would like to learn more about the actual card, jsut scared of getting hit up for a hard inquiry for something im not even sure i want?

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Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
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Re: Any Negative in Getting A Credit Card Via Soft Pull?!

I did not reveive a hard pull for my HSN, and VS card. I looked and they are listed as PRM softs. the check out trick works.  i do admit we will never use the vs card, but i do like HSN when they run promo's plus they have a mastercard..........

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

[ Edited ]

There's postings upon postings that is verified that this isn't a hard pull, verified on other forums as well as this one. (Look at the five page Victoria Secret thread a few threads down)

 

http://ficoforums.myfico.com/t5/Credit-Cards/EXPRESS-store-card-pre-approval/m-p/1440400/highlight/t...

 

 

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012

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