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

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: 650
Registered: ‎12-12-2012
0

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: 271
Registered: ‎06-05-2011
0

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 - 756 (Discover FICO - 10/01/2014), EQ - 716 (MyFico FICO - 12/1/2013)
Current Cards: NFCU cashRewards Sig - 5k, Amex BCE - 9.5k, Discover It - 5k, Citi Dividend WE- 5k, Chase Freedom - 4k
Last App: 6/10/2014. In the garden for a few years.
Established Member
dannydannyFICO
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. 

Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
0

Re: hard pull & credit application

Congrats!!! :smileyvery-happy:

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

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