I don't think I've ever seen anyone post about GE here.
In general, any time you apply for credit, in whatever form, you can expect a hard inq. (Being a CU, I would expect them to use EQ, but you might want to check WGMC and the other sites.) IF you already are an established customer, they MIGHT be willing to just soft you. (Note the IF and MIGHT.) I'd give them a call and tell them that you're thinking about getting a personal loan, and would it be a hard or soft.
If you're not already with them, then absolutely, it would be a hard. I don't even think there's a question of a threshold. If they didn't hard you, they would be irresponsible to their members. It would be like you being asked for a loan by a stranger, and whipping out your wallet and peeling off the 20's.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
