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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. 

 

[img=https://www.pnc.com/content/dam/pnc-com/images/personal/CreditCards/points_cardimg.png]
Regular Contributor
Posts: 229
Registered: ‎01-12-2017

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

Only if I would have use for the card.



Capital One: $200 CL, Amex BCP: $6K CL, Amex Platinum: No limit, CSR: $23K CL, Citi Costco: $8K CL, Lowes: $12K CL, USAA Preferred Cash Rewards: $10K CL, USAA Cashback Rewards Plus: $15K CL, USAA Limitless: $12.5K CL, BOFA Spirit: $17K CL
Established Contributor
Posts: 620
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.
>4/17 CCT EX 731 TU 723 EQ 721
Valued Contributor
Posts: 2,026
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-BoFA 321
Established Contributor
Posts: 703
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(8k) BB Visa(6k) Pier 1(3.5k) Kohls(3k) J Crew (1.4k) Amex Delta Gold(5k) Amex BCP(22k) BofA(15k) Barclaycard(5k) Venture WMC(6.45k) Chase FU(7k) QS(3.3k)Citi Diamond (4.5k)

FICO 8 Scores EX 730(19) EQ 689(13)TU 720(22) Mortg Scores EX 691 EQ 671 TU 711 (April 4 2017) AAOA 3.3yrs TCL=113,250.00
Valued Contributor
Posts: 2,937
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: 4,811
Registered: ‎04-11-2016

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

I personally wouldn't. 

Contributor
Posts: 116
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: 907
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.

New Contributor
Posts: 111
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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