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Regular Contributor
Posts: 245
Registered: ‎12-27-2012
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Inquiry on CR after approval with a SP

Does a HP show up eventually after a CL is approved by a lender based on a SP?

I got a SP(pre approved, if that's what SP offer means) offer and I accepted it, apped it and got approved.

I haven't seen an HP on my CRs yet. 

Will a HP for this approval of a pre-approved (SP'd ) will ever appear on my CR?

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
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Re: Inquiry on CR after approval with a SP

Most likely the company gave you a pre approval based off of a SP but once you actually applied they did a HP to verify your information.

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Regular Contributor
Posts: 114
Registered: ‎02-02-2013
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Re: Inquiry on CR after approval with a SP

Probably depends on the lender. I accepted a preapproved card from Sam's Club and there was never a hard pull.
EX 781; EQ Fico 762; TU. 762 Discover)

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Inquiry on CR after approval with a SP


codesingh wrote:

Does a HP show up eventually after a CL is approved by a lender based on a SP?

I got a SP(pre approved, if that's what SP offer means) offer and I accepted it, apped it and got approved.

I haven't seen an HP on my CRs yet. 

Will a HP for this approval of a pre-approved (SP'd ) will ever appear on my CR?


What card is this that you applies to?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
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Re: Inquiry on CR after approval with a SP

LS2982, I didn't see any HP from FNBO (First Nat'l Bank of Omaha, amex). I got an invitation then accepted it but no HP yet.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Inquiry on CR after approval with a SP


codesingh wrote:

LS2982, I didn't see any HP from FNBO (First Nat'l Bank of Omaha, amex). I got an invitation then accepted it but no HP yet.


Sometimes it takes day or so for the HP  to show up, I'd check it this morning.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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