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Does Cap One do hard pull for a PC?

New Contributor

Does Cap One do hard pull for a PC?

Hello everyone...

 

I have had my Cap One quiksilver one card since july 2015. Looking to PC the card to a regular quiksilver. Probably should have done this a long time ago. Does a PC result in a hard pull? Don't want another inquiry on my credit report. I currently have 19 inquiries and don't want another one. Most of these inquiries are from a auto loan from 2 years ago that should be falling off this month.

 

Thanks for any help.

Message 1 of 10
9 REPLIES
Regular Contributor

Re: Does Cap One do hard pull for a PC?

I don't think they do a hard pull in these circumstances but I'd double check with them beforehand since things can change quickly.


Message 2 of 10
New Contributor

Re: Does Cap One do hard pull for a PC?

just for everyone's information. did a chat online with capital one. They did not do a hard pull for a PC. Since i wasn't applying for new credit it is a soft pull. 

Message 3 of 10
Senior Contributor

Re: Does Cap One do hard pull for a PC?


debtfighter wrote:

Hello everyone...

 

I have had my Cap One quiksilver one card since july 2015. Looking to PC the card to a regular quiksilver. Probably should have done this a long time ago. Does a PC result in a hard pull? Don't want another inquiry on my credit report. I currently have 19 inquiries and don't want another one. Most of these inquiries are from a auto loan from 2 years ago that should be falling off this month.

 

Thanks for any help.


NO

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 11/18/17** EX- 762(13) TU- 765(12) EQ- 731(14) UTI 8%- Clean Files
Message 4 of 10
Mega Contributor

Re: Does Cap One do hard pull for a PC?

99.9% chance of no HP. As with anything credit related hope for the best expect the worst. FYI asking any customer service rep is very hit or miss. In my opinion miss. Good Luck!

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Message 5 of 10
Contributor

Re: Does Cap One do hard pull for a PC?

I had my Platinum converted to a Quicksilver this past fall and no hard pull.
Message 6 of 10
Contributor

Re: Does Cap One do hard pull for a PC?

I pc'd in January over chat with no hard pull.
Message 7 of 10
Community Leader
Valued Contributor

Re: Does Cap One do hard pull for a PC?

CapOne likes to get all of their HPs out of the way right up front when you apply, so they do 3 of them!

To add to the data points, I did a PC from a combo of 4 Platinum cards to a Venture One last March with no HP, and my wife did a PC from "Rewards" (whatever that card actually was) to a Quicksilver in August, also with no HP.


$500k+ club. | FICO 08 [Oct 2017]: EQ 746 EX 738 TU 733 | World's worst gardener.
Message 8 of 10
Valued Contributor

Re: Does Cap One do hard pull for a PC?


Irkedredit wrote:
I pc'd in January over chat with no hard pull.

Same here

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Message 9 of 10
Frequent Contributor

Re: Does Cap One do hard pull for a PC?


debtfighter wrote:

Hello everyone...

 

I have had my Cap One quiksilver one card since july 2015. Looking to PC the card to a regular quiksilver. Probably should have done this a long time ago. Does a PC result in a hard pull? Don't want another inquiry on my credit report. I currently have 19 inquiries and don't want another one. Most of these inquiries are from a auto loan from 2 years ago that should be falling off this month.

 

Thanks for any help.


I've PC'd w/o a hard pull.  I haven't heard of them hard pulling for a PC.

Experian: 686 Transunion: 720 Equifax: 683
Message 10 of 10