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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]
30 REPLIES
Frequent Contributor

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

Only if I would have use for the card.

Valued Contributor

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

<raises hand>



3/16 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>11/17 CCT EX 735 TU 798 EQ 715
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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.
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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

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FICO 8 Scores EX 680(15) EQ 669(17)TU 692(18) AAOA 3.0yrs TCL=167,150
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
Senior Contributor

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

I personally wouldn't. 

Regular 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!


Starting Score:EQ 609, EX 597, TU 614 (1/19/17)
Current Score: EQ 682, EX 672, TU 673 (10/19/17)
Goal Score: 700+ across all 3

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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.

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.  

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