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Established Contributor
Posts: 857
Registered: ‎10-11-2013
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

[ Edited ]

They HP me on EQ for opening the account. I originally didn't opt for overdraft, and they still HP'd me. I decided around a week later to app for the overdraft (as a safety net) and they HP'd me again on EQ :smileysad:.

 

I'd still probably do it again, though. So far I've been happy with them, and I actually just closed my brick and mortar checking account to use Capital One 360 as my primary bank.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png photo DISCOVER_IT_LG.gif photo HNY2HNY2.png
$6500 ............ $5400 ............ $5000 ............ $5000 ............ $5000 ............ $4500 ............ $4250 ............ $3000
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Super Contributor
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Registered: ‎04-22-2013
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

Everbank and Schwarb both did HPs, without any overdraft feature.

New Contributor
Posts: 55
Registered: ‎11-21-2012
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

[ Edited ]

I have 360 checking, savings, share builder, and IRA account. Opened mine a number of years ago when it was still ING but don't recall getting a HP at that time. I did apply for the checking overdraft in June ’13 and it was a HP on EQ. I only got $25 which was not worth the hard pull. Other than that I have been very happy with the accounts and service with no issues.



Starting Score: Fico TU 571 (11/21/12)
Current Score: Fico EX 719 (04/23/14) Fico EQ 681 (04/18/14) Fico TU 713 (03/31/14)
Goal Score: 720+


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Established Contributor
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Registered: ‎10-11-2013
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

[ Edited ]

FatBank wrote:

I have 360 checking, savings, share builder, and IRA account. Opened mine a number of years ago when it was still ING but don't recall getting a HP at that time. I did apply for the checking overdraft in June ’13 and it was a HP on EQ. I only got $25 which was not worth the hard pull. Other than that I have been very happy with the accounts and service with no issues.


That's weird. Do/did you have any baddies? I applied with an AAoA of around 3 years on EQ (No baddies) and got $1000. My highest CL was $2500 at that time.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png photo DISCOVER_IT_LG.gif photo HNY2HNY2.png
$6500 ............ $5400 ............ $5000 ............ $5000 ............ $5000 ............ $4500 ............ $4250 ............ $3000
In the Garden until at least November 2015.
New Contributor
Posts: 55
Registered: ‎11-21-2012
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

Yes, and my EQ score was around 580 at the time so that probably did have something to do with it.



Starting Score: Fico TU 571 (11/21/12)
Current Score: Fico EX 719 (04/23/14) Fico EQ 681 (04/18/14) Fico TU 713 (03/31/14)
Goal Score: 720+


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Member
Posts: 13
Registered: ‎03-07-2010
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings


longtimelurker wrote:

Everbank and Schwarb both did HPs, without any overdraft feature.


I guess it's common practice nowadays then.

New Contributor
Posts: 182
Registered: ‎11-26-2013
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

I'm pretty sure ally was a HP
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Established Contributor
Posts: 857
Registered: ‎10-11-2013
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

[ Edited ]

samm90 wrote:
I'm pretty sure ally was a HP

Ally wasn't a HP for me. State Farm Bank wasn't either. I have a checking account at all three (Cap1 360, Ally, and State Farm Bank). Of all of those, Cap1 was the only one that was a HP. I also have savings accounts with American Express Personal Savings and Barclays, and neither one of those were HPs. Savings account with BoA wasn't either. The Money Market account that I have with State Farm also wasn't a HP.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png photo DISCOVER_IT_LG.gif photo HNY2HNY2.png
$6500 ............ $5400 ............ $5000 ............ $5000 ............ $5000 ............ $4500 ............ $4250 ............ $3000
In the Garden until at least November 2015.
Member
Posts: 8
Registered: ‎06-27-2008
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

Anyone notice that the link the OP put actually is his referral code? Hover over the link and look at the bottom of your browswer. Sneaky way to spam.

Gardenclub as of June 30th - Less than 1 month - seedling
Member
Posts: 13
Registered: ‎03-07-2010
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Re: CapitalOne360 - Free $50 For Checking, $25 For Savings

Thanks.  Got my bonus. :smileyhappy:

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