Reply
Established Member
dannydannyFICO
Posts: 26
Registered: ‎02-17-2011

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
FutureBillionaire
Posts: 629
Registered: ‎12-12-2012

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
Frequent Contributor
JollehRoger
Posts: 253
Registered: ‎06-05-2011

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: TU - 762 (Discover FICO - 6/01/2014), EQ - 716 (MyFico FICO - 12/1/2013)
Current Cards: NFCU cashRewards Sig - 5k, Amex BCE - 6.8k, Discover It - 5k, Citi Dividend WE- 5k, Chase Freedom - 2.5k
Last App: 6/10/2014. In the garden for a few years.
Established Member
dannydannyFICO
Posts: 26
Registered: ‎02-17-2011

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. 

Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: hard pull & credit application

Congrats!!! :smileyvery-happy:

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | 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 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+