Added a DCU checking account to pay my CC monthly and to keep some money in the savings account, and they did a HARD INQUIRY!
Do I now go back to seedling?
@jagshere wrote:Added a DCU checking account to pay my CC monthly and to keep some money in the savings account, and they did a HARD INQUIRY!
Do I now go back to seedling?
According to some old garden threads, you don't 
I got a hard pull for adding DCU checking as well, but as long as the hard pull does NOT result in a credit or loan product, you are good to go! keep your spade, i know i am 
Thanks! I forgot how "Hard Pull" crazy DCU was. I went to PIF My card yesterday and did it so I can leave a 1000 in the saving with them.
It's not just with DCU. Many credit unions pull before granting you membership to ensure you fit their customer profile. But it is common knowledge on these Boards that DCU will hard pull for membership and typically once again for any of their credit products.
@SnackTrader wrote:
It's not just with DCU. Many credit unions pull before granting you membership to ensure you fit their customer profile. But it is common knowledge on these Boards that DCU will hard pull for membership and typically once again for any of their credit products.
Well, I have to admit that they pulled it "twice" when I open the savings as well as the Platinum Visa. I just didnt want another inquiry for at least 6 months, oh well live and learn!
@daybreakgonesXe wrote:
@jagshere wrote:Added a DCU checking account to pay my CC monthly and to keep some money in the savings account, and they did a HARD INQUIRY!
Do I now go back to seedling?
According to some old garden threads, you don't
As keeper of the keys to the Garden Club clubhouse, I can affirm that this is correct. You weren't attempting to apply for a credit product, so the inq doesn't count against your GC recognition level. Enjoy your spades.
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
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@tinuviel wrote:
@daybreakgonesXe wrote:
@jagshere wrote:Added a DCU checking account to pay my CC monthly and to keep some money in the savings account, and they did a HARD INQUIRY!
Do I now go back to seedling?
According to some old garden threads, you don't
As keeper of the keys to the Garden Club clubhouse, I can affirm that this is correct. You weren't attempting to apply for a credit product, so the inq doesn't count against your GC recognition level. Enjoy your spades.
Many Thanks!....
