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Established Member
Posts: 59
Registered: ‎12-25-2016

Would you take a hard hit for $200?

I work for a mystery shopping company that specializes in banks etc

 

I'm being offered $200 to go apply for a credit card at BoA - basically I would go apply and write down a lot of details about the process I went through and the service I was provided - it's so the bank can improve their customer service. The company has paid me before so they are not a scam. 

 

Would you guys take a hard hit for $200? My profile is squeaky clean with 4 credit cards and my EX has 7 hard inqs right now.... FICO 710-730 across the board. 

 

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Frequent Contributor
Posts: 258
Registered: ‎01-12-2017

Re: Would you take a hard hit for $200?

Only if I would have use for the card.

Established Contributor
Posts: 651
Registered: ‎03-22-2016

Re: Would you take a hard hit for $200?

<raises hand>


3/16 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671. A couple of baddies but they are 6 years old.
>5/17 CCT EX 732 TU 725 EQ 720
Valued Contributor
Posts: 2,092
Registered: ‎06-19-2016

Re: Would you take a hard hit for $200?

Absolutely not.

You can go through the entire process at a bank without actually applying or hitting the "Submit" button.
My Cards:
American Express PRG-American Express BCE-Chase United Mileage Explorer-Chase Amazon
Established Contributor
Posts: 967
Registered: ‎01-19-2015

Re: Would you take a hard hit for $200?


EarthQuaker wrote:

I work for a mystery shopping company that specializes in banks etc

 

I'm being offered $200 to go apply for a credit card at BoA - basically I would go apply and write down a lot of details about the process I went through and the service I was provided - it's so the bank can improve their customer service. The company has paid me before so they are not a scam. 

 

Would you guys take a hard hit for $200? My profile is squeaky clean with 4 credit cards and my EX has 7 hard inqs right now.... FICO 710-730 across the board. 

 


If I didn't have so many inquires I would consider it....Smiley Happy

AmexPlat(NPSL) AmexOpt (13.1k AU) Walmart(10k) Discover(8.5k) BB Visa(6k) Pier 1(4.25k) Kohls(3k) J Crew(1.7k) Amex Delta Gold(5k) Amex BCP(22k) BofA BBR(10k) BofA CR Siggy(15k) Barclaycard(5k) Venture WMC(6.45k) Chase FU(7k) QS(3.3k) Citi Diamond(4.5k) PenFed PCR(3K) Lowes(2K) NFCU VS Cash(5.5K) NFCU CLOC(5K)
FICO 8 Scores EX 728(20) EQ 693(16)TU 724(26) AAOA 3.0yrs TCL=140,050.00
Senior Contributor
Posts: 3,357
Registered: ‎05-25-2016

Re: Would you take a hard hit for $200?

No not at all unless you actually do want the card then it would be a bonus if you got approved and paid for the experience of it too
Senior Contributor
Posts: 5,247
Registered: ‎04-11-2016

Re: Would you take a hard hit for $200?

I personally wouldn't. 

Regular Contributor
Posts: 132
Registered: ‎10-05-2010

Re: Would you take a hard hit for $200?

I would take the hard pull if I wasnt planning for any big ticket items (mortgage/car finance or refinance). Sure and if you have use for the card, thats the bonus!


Starting Score:EQ 609, EX 597, TU 614
Current Score: EQ 609, EX 597, TU 614
Goal Score: 700+

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Established Contributor
Posts: 914
Registered: ‎10-02-2015

Re: Would you take a hard hit for $200?

Not for $200 no.  But if I actually wanted the card then yes.  The card should be the motivating factor, then the $200 is just a bonus.

Regular Contributor
Posts: 175
Registered: ‎01-16-2017

Re: Would you take a hard hit for $200?

Yeah the hard pull will go away in time but you still get to keep the 200 dollars.  

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