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No credit check or "Soft" inquiry Credit Card needed

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Anonymous
Not applicable

No credit check or "Soft" inquiry Credit Card needed

Recently obtained the OpenSky secured CC without a credit pull however, I'm in dire need of another credit card.  Currently have 2 open revolving CCs but need at least 3 for maxium credit boost.  Can't afford a "hard" inquiry to my CR as I'm trying to improve score for mortgage rate qualification.  Does anyone know of a card which performs ONLY "soft" or NO CREDIT INQUIRY?  

Thanks in advance for suggestions!

 

NOTE:  Checked with SDCU (State Department Federal Credit Union) and contrary to the post here they DO peform a hard inquiry;  DISCOVER does as well.

 

 

20 REPLIES 20
kilroy8
Community Leader
Super Contributor

Re: No credit check or "Soft" inquiry Credit Card needed

Only two things that I know of can do this. 

 

1. If you have an Amex card of any sort, additional cards are usually a SP.

2. SCT (Shopping Cart Trick). There is plenty of information on how to do this out there. It is only useful for certain store cards, usually through Comenity. I have never done this, but have heard about it.

 

Other than that, as far as I know if you apply, they hard pull.

Message 2 of 21
Adkins
Legendary Contributor

Re: No credit check or "Soft" inquiry Credit Card needed

Have your tried USAA? You'll need military affiliation though. 


Last HP 08-07-2023



Message 3 of 21
Anonymous
Not applicable

Re: No credit check or "Soft" inquiry Credit Card needed

Thanks for your suggestion. Researching the "shopping cart trick".
Message 4 of 21
Anonymous
Not applicable

Re: No credit check or "Soft" inquiry Credit Card needed

Have not but visited website this weekend and planned to contact first thing Monday morning. Will post conclusion here when done.Thanks for suggestion.
Message 5 of 21
shadanat
Frequent Contributor

Re: No credit check or "Soft" inquiry Credit Card needed

The SCT is not a guarenteed soft pull. I obtained a Victoria Secret card using it. Purchase the 5/$25 and about a week later. I got notification that a hard pull was done.

Message 6 of 21
Anonymous
Not applicable

Re: No credit check or "Soft" inquiry Credit Card needed

Just curious why it matters if they do an hard inquiry or not?  Are you shopping for a mortgage and they told you to get another credit card?

Message 7 of 21
Anonymous
Not applicable

Re: No credit check or "Soft" inquiry Credit Card needed

Primor by first choice bank.Absolutely no credit pull.They require a minimum of $200 deposit

Message 8 of 21
Anonymous
Not applicable

Re: No credit check or "Soft" inquiry Credit Card needed

Really??? Do u have a phone number to customer service???
Message 9 of 21
Anonymous
Not applicable

Re: No credit check or "Soft" inquiry Credit Card needed

800-768-9897.Mine used to report as an unsecured.It really helped me.

Message 10 of 21
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