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Would you take a hard hit for $200?

Established Member

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. 

 

[img=https://www.pnc.com/content/dam/pnc-com/images/personal/CreditCards/points_cardimg.png]
Message 1 of 31
30 REPLIES
Frequent Contributor

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

Only if I would have use for the card.

Message 2 of 31
Valued Contributor

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

<raises hand>




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>4/2018 CCT EX 821 TU 834 EQ 814
You are only young once, but you can be immature forever
Message 3 of 31
Valued Contributor

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.
Message 4 of 31
Valued Contributor

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 35K) Chase CSP (25k) BofA BBR (18.8k) Amex BCP(18k) BofA CR Siggy (15k) NFCU CLOC (15K) Lowes (15K) NFCU VS Cash (15K) Care Credit (12k) Venture WMC (10.25k) Hilton Honors Ascend (10K) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Pier 1(9.5k) Discover(9k) Chase FU (7.4k) J Crew( 6.9k) Fidelity® Rewards Visa Signature® Card (6500) Citi Diamond (6k) PenFed PCR (5K) Kohls (3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 697(19) EQ 677(22)TU 713(23) AAOA 2.9yrs TCL=272,350
Message 5 of 31
Senior Contributor

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
Message 6 of 31
Super Contributor

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

I personally wouldn't. 

Message 7 of 31
Frequent Contributor

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!

Score: F8 EQ 609, EX 597, TU 614 (1/19/17) Current Score: F8 EQ 689, EX 677, TU 683 (1/29/18)

Goal Score: 700+ across all 3--Gardening until November 2018
USAA Amex- Amex PRG- Amex BCE- Amex Delta Gold- Macys- NYC CC- Marathon Gas- Victoria's Secret- USF Visa- Cap 1 QS- NFCU CR- Care Credit- Firestone

Total CL $80,900
Message 8 of 31
Established Contributor

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.

Message 9 of 31
Valued Contributor

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.  

BOA Premium Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Hyatt, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards, Citi Thank You Premier, JCrew, Pottery Barn, Express, NFCU Go Rewards.

Former Cards: Lendup L Card, Bank of America Cash Rewards, Capital One Quicksilver
Message 10 of 31