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GEMB/Synchrony Store Card to Visa Upgrade - Hard or Soft Pull?

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Zark419
Member

GEMB/Synchrony Store Card to Visa Upgrade - Hard or Soft Pull?

Hello everyone,

 

I wasn't able to find answer to this question anywhere in the threads so my apologies if this has been answered. 

 

Upon logging in to my GEMB accounts today, I was shown the message: "You've been selected to UPGRADE to a Banana Republic Visa Card" and received a similar message on my American Eagle account. Does anyone know if this will be a soft pull or a hard pull? I would like to upgrade but not as I don't need it and don't want any more inquiries on my report, I'm probably not willing to do so.

 

Additionally, if they do pull on one of the accounts, does anyone know if they would be able to leverage that for the other account (so I could maybe get a 2-for-1)?

 

Thanks in advance!

 


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coldnmn
Mega Contributor

Re: GEMB/Synchrony Store Card to Visa Upgrade - Hard or Soft Pull?

No inquiries but they will be new trade lines and not carry over history. They also may get CLIs at activation.

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dilettante
Established Contributor

Re: GEMB/Synchrony Store Card to Visa Upgrade - Hard or Soft Pull?


@coldnmn wrote:

No inquiries but they will be new trade lines and not carry over history. They also may get CLIs at activation.


+1. I just upgraded at the end of last year. It's a SP but as coldnmn stated, your old BR account will report closed and the BR Visa will show up as a new account, so it will impact your AAoA.  Upon approval of the upgrade my CL went from 4900 to 25K because the upgrade app gave me a chance to update reported income from what was stated  when I first opened the store account many years before.  So, YMMV on CLI's.  Are they offering the $50 GC to upgrade?  That's one of the reasons I didSmiley Happy

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