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Regular Contributor
hyprble
Posts: 170
Registered: ‎11-05-2008
0

Re: Regret a hard pull?

I regret applying for the Apple Barclay (wanted it for interest free period, but they only approved me for $500) and the following HP I got asking for a CLI despite them telling me over and over it was a soft pull.  It seems like a lot of people have had great luck with Barclay, but I guess there's something in my credit profile they just hate :robotembarrassed:  On a positive note, Chase approved me for 12x that amount so I guess my business is going there!


Starting Score: 557 (2005)
Current Score: 760
Goal Score: 775


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Established Contributor
eddie84
Posts: 571
Registered: ‎05-28-2013
0

Re: Regret a hard pull?

I only regret the ones that didn't approve me. :smileymad:  Seems like a waste for HP. lol

8/16/14 EQ 724 | AmEx Platinum NPSL | Discover it $11k | BofA Travel Rewards Visa Sig $7k | Citi Platinum Select AAdvantage WMC $10k | Barclaycard Arrival+ WMC $9.7k | Jared/Kay $5.1k | Chase Sapphire Preferred $5k | BofA Cash Rewards Visa Sig $5k | DFS $5k | PayPal SC $5k | Citi Diamond Preferred MC $4.7k | BofA Better Balance Rewards MC $7k | Chase Freedom Visa $4k | Zales $5k | US Bank Visa Platinum $3k | Bloomingdale's $3k | Amex Hilton HHonors $2k | Macy's $1.2k | Amex Delta SkyMiles $1k | Chase Amazon $800
New Contributor
stevenngu92
Posts: 71
Registered: ‎01-05-2012
0

Re: Regret a hard pull?

Definately the BofA better balance rewards for me. After apping i realized that the card just wasn't worth it for a new tradeline and HP. I was hoping for a denial, but they approved me for a low limit. I figured that i would just use it for my netflix subscription and that $100 every year ($25 each quarter) bonus basically pays for netflix. So i guess the card does have some use for me.

Amazon Store Card ($2500) Amex BCE ($7400) BofA Better Balance Rewards ($2500) Best Buy Store Card ($5000) Chase Freedom ($2500) Discover It ($5500) Walmart Discover ($5800) Wells Fargo CB ($3500)
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013
0

Re: Regret a hard pull?


eddie84 wrote:

I only regret the ones that didn't approve me. :smileymad:  Seems like a waste for HP. lol


I agree!  Any denial is an HP I regret....like my most recent Amex denial.  At least I know what I need to work on.

Valued Contributor
maiden_girl
Posts: 2,098
Registered: ‎12-29-2011
0

Re: Regret a hard pull?

Don't regret your HPs! You saved your AAoA!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
hot4u
Posts: 768
Registered: ‎04-21-2013
0

Re: Regret a hard pull?

Hp Bank of america... When I hear they always Hp for Credit increases.. Thats a jOkE


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Valued Contributor
navigatethis12
Posts: 1,930
Registered: ‎01-24-2012
0

Re: Regret a hard pull?

American Express and Discover. Four worthless cards that I would be better without.

Established Contributor
bahbahd
Posts: 731
Registered: ‎08-12-2011
0

Re: Regret a hard pull?

Denied today for my US Bank REI visa. TU HP.  Boo. 

Regular Contributor
mikey78
Posts: 732
Registered: ‎07-22-2013
0

Re: Regret a hard pull?

I havn't read the full message but basing this off the headline topic

My biggest regret is calling chase freedom for CLI after receiving the card for activation and actually following thru the message on the approval screen saying if 3000 CL is not sufficient for you then i can request for more

but to my defense the rep didn't know anything if it was going to be a hard pull or not  and was getting me agitated and she was willing to transfer me to someone who may help me with my answer .. lol


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Regret a hard pull?


maiden_girl wrote:

koalablue wrote:

I regret the two HPs I have for Citi - one last year and one this year - because they denied me for their cards.  I hate wasting HPs, but it was my choice to apply.


Most of my HPs are from Citi and I always get denied! I have excellent credit and no collections. I don't know what kind of scoring scale they use but I see people with collections and judgments getting approved all the time!


Maybe they don't like high reported utilization?  Or is your credit history and/or AAoA short?

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