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hard pull & credit application

Established Member

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?

Message 1 of 5
4 REPLIES
Established Contributor

Re: hard pull & credit application

Yes.  Be sure to call them to discuss it.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Message 2 of 5
Frequent Contributor

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.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.
Message 3 of 5
Established Member

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. 

Message 4 of 5
Established Contributor

Re: hard pull & credit application

Congrats!!! Smiley Very Happy

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
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