@Mrm-na wrote:I don't mind the inquiry being scored as a hard pull. They can have the hard pull - after all, I *am* asking for credit, and that's what a HP is supposed to indicate.
But when an application is submitted, and they do the hard pull, I do think they ought to be willing to give offers for a few different cards that we select from a list. It's annoying that they make you play a guessing game. Why not just tell me "Okay Mr. X, you indicated an interest in cards #1, 2, and 3. Our computer has checked your report, and it will offer you card #1 with these terms, card #2 with these terms, or card #3 with these terms." Then I make a choice, and everybody's happy.
Now if I start trying to get manual human recon involved, then I can see how playing multiple choice would be too labor intensive. But as long as I accept a computer decision, then options should be on the table.
If I pick "none of the above", I think it's totally legit that I'd still get a hard pull on my report. I would have no complaint with that.
Exactly what I had in mind.
