Credit Cards

[nathan]

I applied for a boa cc last saturday and they pulled exp. I didn't get an instant approval, so I was told to call on Monday for instant decision. They approved me for 10k, but I just noticed that they pull hard on tu again. I always thought it was cap1 and discover that pull more than one. Just wanted to share this with folks considering a boa cc. My exp score was 760 from mortgage pull last month, and my tu was 781. Tu had zero inq and exp had 4. I am thankful they did not pull eq which has 11 and my lowest scre at 734.

[BungalowMo]

Pulled 2 on me about 5 mos ago....declined for the 2nd time!     Never again.

[txjohn]

Friend did the pre-app site and was offered 3 cards....he accepted....only got hard pull on EQ in Texas.

[Mizu]

BoA pulled 2 on me back in April of this year.

[cartercorp]

Same here pulled EX and TU.

[jaysdad2k]

I think I read that they soft EQ for the pre-app, but hard pull anything for the real app.

I have played with the pre-app and got up to $3,500 offered and I see PRM inquiries on EQ.

How accurate is the amount of the pre-approval with the real offer? What is the most anyone has seen "pre-offered"?

[Nonaii]

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jaysdad2k wrote:

I think I read that they soft EQ for the pre-app, but hard pull anything for the real app.

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pre-approval sites should be softs, yes -- unless you go through with an actual application.

i'm reading the OP as having actually gone through a real application, not a pre-approval;  what happened to you happened to me, OP - last year.   Only I wasn't calling for a recon, I was just calling to find out the status. I'm glad you got an approval.