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May be a silly question...I'm currently in escrow and Target is having a sale on an item I've been dying to get but didn't want to pay full price. Anyhow, if i apply for the Target Debit Card (to save an additional 5%...its not the store credit card and the funds will auto deduct from my checkings) will it create a hard inquiry? I've googled and some say yes, some say no and their website says they only need a blank check. I personally haven't done it because I'm scared it will cause a hard inquiry and mess up whatever i have going on in escrow. Any help is appreciated. Thanks!
I would not take the chance. Even if it is saving you 200 bucks, that is not worth risking your mortgage. Even if someone tells you 100 percent certain its a SP I would not risk that for a few bucks.
So y'all not gonna let him buy a flat screen?
@Anonymous wrote:So y'all not gonna let him buy a flat screen?
Mortgage > everything else financially; the 5% discount will be available after the loan is funded and keys are in hand... it's not going anywhere.
@Anonymous wrote:So y'all not gonna let him buy a flat screen?
...mortgage rates going up, flat screen prices coming down ...don't buy the flat screen until after you close ...it'll be cheaper by then anyway
@Anonymous wrote:May be a silly question...I'm currently in escrow and Target is having a sale on an item I've been dying to get but didn't want to pay full price. Anyhow, if i apply for the Target Debit Card (to save an additional 5%...its not the store credit card and the funds will auto deduct from my checkings) will it create a hard inquiry? I've googled and some say yes, some say no and their website says they only need a blank check. I personally haven't done it because I'm scared it will cause a hard inquiry and mess up whatever i have going on in escrow. Any help is appreciated. Thanks!
No, don't do it. That offer will always be there. If not, it will come back.
@Revelate wrote:
@Anonymous wrote:So y'all not gonna let him buy a flat screen?
Mortgage > everything else financially; the 5% discount will be available after the loan is funded and keys are in hand... it's not going anywhere.
+a million times!
I could be missing out on all sorts of deals for my new house, but until the keys are in my little hands, there will be no shopping, no applying/signing up for stuff, none-a-that.
@skigirl916 wrote:
@Revelate wrote:
@Anonymous wrote:So y'all not gonna let him buy a flat screen?
Mortgage > everything else financially; the 5% discount will be available after the loan is funded and keys are in hand... it's not going anywhere.
+a million times!
I could be missing out on all sorts of deals for my new house, but until the keys are in my little hands, there will be no shopping, no applying/signing up for stuff, none-a-that.
Haha, well to laugh at myself a bit:
I've never really spent much but I've never really cared out much I spent either: when I needed (or to be fair, wanted) something I bought it... until starting this quest for a mortgage. When I needed a new pair of shoes as an example, I went out and got one; however, now stuck with an unrepairable casual work shoe I'm torn between replacing them and rationalizing nobody really cares in my office, shabby shoes are OK for now.
Figured I'd have all sorts of unintended consequences in my life from getting a mortgage, but I wasn't expecting this one .