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Established Member
Posts: 26
Registered: ‎02-17-2011
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hard pull & credit application

if i applied for a credit card online, and it says "We need additional information from you before we can process your application. Please call us as soon as possible at ###."

 

Is that effectively a hard pull?

Established Contributor
Posts: 652
Registered: ‎12-12-2012
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Re: hard pull & credit application

Yes.  Be sure to call them to discuss it.

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Frequent Contributor
Posts: 293
Registered: ‎06-05-2011
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Re: hard pull & credit application


dannydannyFICO wrote:

if i applied for a credit card online, and it says "We need additional information from you before we can process your application. Please call us as soon as possible at ###."

 

Is that effectively a hard pull?


It always is unless it was American Express and you're a cardholder. Call them as that's usually a good sign since they didn't outright deny you. Sounds like they just want to clarify one or two things with you.

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Established Member
Posts: 26
Registered: ‎02-17-2011
0

Re: hard pull & credit application

finally called in. apparently they wanted to verify my telephone number, which has never happened when I applied for a CC online. I was approved as expected, but it scared me a little since this is the first time I needed to call in. 

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Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: hard pull & credit application

Congrats!!! Smiley Very Happy

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