Yep, I'd say they'll do a soft pull in the 90 day time frame. WaMu does something similar if you open a checking account they do a hard pull. Then, if you apply for a CC, they go by that pull if recent, or soft you. I'm not sure of their time window, though.
@Uniqua wrote:
I called the back door number for Barclay's Bank and asked about my chances of being approved if I app'd again in about a month. I was told that they keep the CR on file for 90 days and I should call back in a month when I have more reporting on my recent CCs. I'm curious, though, about this 90-day policy. Does that mean they'll use the same CR for 90 days and if I app again within those 90 days, they'll do a soft pull instead of a hard? Not quite sure how it works. Any answers on this?
