topic Re: Looking for VISA that pulls from EXP or TU in Credit Card Applications

Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 20:14:41 GMT

Friends,

My EQ is currently frozen and I would have to remove the freeze that I put on it via mail. Can anyone recommend a good Visa card that pulls from EXP or TU?

My scores are in the low 700s, I currrently have one card: an Amex Everyday with a $5000 CL

I used to be a Dave Ramsey user and recently got back into using Credit Cards. I just got approved for the Amex Everyday this month.

In the past, I've had: Amex Blue Cash Everyday, Amex Plat, Amex Delta Reserve, Chase Sapphire Preferred, Chase Sapphire Reserve, US Bank Plat, WF Plat Rewards, Discover IT, Citi Hilton Signature. All are still on my file and all were closed at my request when I was doing Dave Ramsey, no late payments or derogs ever. All time high scores were in the 830s.

My preference would be something simple (no annual fee) like Citi Simplicity or Chase Freedom. Just looking for a good, dependable, everyday Visa card.

Advice?

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 20:45:43 GMT

Google "credit pulls database" enter your state of residence and see which bureaus are mostly pulled for your state. In my experience, EQ was rarely pulled. Amex pulls EX exclusively and lenders like Chase & BofA double-pulled EX and TU. The one exception is Capital One which will pull all three bureaus.

Re: Looking for VISA that pulls from EXP or TU

Shooting-For-800 — Thu, 19 Jul 2018 20:55:14 GMT

What is a Dave Ramsey user?

Re: Looking for VISA that pulls from EXP or TU

chhull00 — Thu, 19 Jul 2018 21:38:39 GMT

US Bank pulled my Visa Signature

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 21:40:12 GMT

@chhull00 wrote:
US Bank pulled my Visa Signature

OK.

Re: Looking for VISA that pulls from EXP or TU

chhull00 — Thu, 19 Jul 2018 21:40:43 GMT

Sorry Us bank pulled TU for my Visa Signature

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 21:56:16 GMT

@Shooting-For-800 wrote:
What is a Dave Ramsey user?

Here

Re: Looking for VISA that pulls from EXP or TU

Shooting-For-800 — Thu, 19 Jul 2018 22:04:11 GMT

@Anonymous wrote:
@Shooting-For-800 wrote:
What is a Dave Ramsey user?
Here

I know who he is but obviously, there is a certain type of parameters that would make someone a "Dave Ramsey user."

What are they and what do they have to do with credit cards?

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 22:08:55 GMT

@Shooting-For-800 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
What is a Dave Ramsey user?
Here
I know who he is but obviously, there is a certain type of parameters that would make someone a "Dave Ramsey user."

What are they and what do they have to do with credit cards?

Asking "what do they have to do with credit cards" suggests you don't know who Dave Ramsey is.

The first thing a Dave Ramsey devotee, or "user" in this case, does is buy/find/borrow a very large and sharp pair of scissors. Need I continue?

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 22:12:28 GMT

Chase Cancelled My Account For Following Dave Ramsey

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Thu, 19 Jul 2018 22:24:00 GMT

@Anonymous wrote:
Chase Cancelled My Account For Following Dave Ramsey

Thank you for sharing that. Wow.

Re: Looking for VISA that pulls from EXP or TU

coldfusion — Thu, 19 Jul 2018 23:16:22 GMT

@Anonymous wrote:
@Shooting-For-800 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
What is a Dave Ramsey user?
Here
I know who he is but obviously, there is a certain type of parameters that would make someone a "Dave Ramsey user."

What are they and what do they have to do with credit cards?
Asking "what do they have to do with credit cards" suggests you don't know who Dave Ramsey is.
The first thing a Dave Ramsey devotee, or "user" in this case, does is buy/find/borrow a very large and sharp pair of scissors. Need I continue?

That's the 2nd thing - the 1st thing is to drink a very large container of special Dave Ramsey Kool-Aid.

Back to the op's original question, here are a few starting points to get discussion going:

BoA Travel Rewards Visa

Chase AARP Visa (you don't have to be an AARP member or over 50 to qualify), Freedom, Freedom Unlimited

Both pull from Experian

Alliant Credit Union pulls from TransUnion and has a couple of no-fee Visa cards. They also have a simple back door that allows anyone to qualify for membership.

Re: Looking for VISA that pulls from EXP or TU

Shooting-For-800 — Fri, 20 Jul 2018 01:12:19 GMT

@Anonymous wrote:
@Shooting-For-800 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
What is a Dave Ramsey user?
Here
I know who he is but obviously, there is a certain type of parameters that would make someone a "Dave Ramsey user."

What are they and what do they have to do with credit cards?
Asking "what do they have to do with credit cards" suggests you don't know who Dave Ramsey is.
The first thing a Dave Ramsey devotee, or "user" in this case, does is buy/find/borrow a very large and sharp pair of scissors. Need I continue?

One can know who someone is without knowing all their beliefs or an abundance of information.

No need to continue.

Re: Looking for VISA that pulls from EXP or TU

arkane — Fri, 20 Jul 2018 03:28:58 GMT

OP: BoA appears to prefer EX, and Barclays pulls TU almost religiously.

On the subject of Dave Ramsey... It's funny before I watched his videos I was completely anti-Ramsey. The thing you have to keep in mind, is his target demographic tends to be people who aren't the most credit-savvy and have quite a bit of (credit card) debt. Put into context, I think his message to "cut up all [your] cards" isn't entirely terrible, especially since some of his audience just seem to have severe self-control issues when it comes to credit.

If you ignore his occasional self-righteousness and marketing and filter away the fluff, at his core the message is very simple -- live within (or preferably, below) your means, don't waste money on useless ~~junk~~ status symbols, save for a rainy day, and you most definitely DON'T need that fancy 50K sports car that will put you 40K further in debt. Although I don't agree with his "no credit" spiel, I do think he genuinely wants the best for his audience and actually wants them to become more financially responsible.

I think as with every "internet guru" out there, the key is to no just rely on him as the sole source of financial advice, and to always take what he says in moderation.

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Fri, 20 Jul 2018 23:03:37 GMT

Thank you all.

For what it's worth, Dave did actually make me more financially aware, but I feel like he's too extreme on the subject of credit cards. I did pay off my debt and my house, though, so it's a good thing all in all. I've never carried credit card debt, but I did likely spend too much on them, so getting back to CCs is a bit of a balancing act for me.

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Sat, 21 Jul 2018 05:19:31 GMT

@Anonymous wrote:
Google "credit pulls database" enter your state of residence and see which bureaus are mostly pulled for your state. In my experience, EQ was rarely pulled. Amex pulls EX exclusively and lenders like Chase & BofA double-pulled EX and TU. The one exception is Capital One which will pull all three bureaus.

In VA almost everything is EQ and if a double pull its EQ and EX. i barely get any TU pulls.

Re: Looking for VISA that pulls from EXP or TU

Jnbmom — Sat, 21 Jul 2018 05:21:22 GMT

@Anonymous wrote:
@Anonymous wrote:
Google "credit pulls database" enter your state of residence and see which bureaus are mostly pulled for your state. In my experience, EQ was rarely pulled. Amex pulls EX exclusively and lenders like Chase & BofA double-pulled EX and TU. The one exception is Capital One which will pull all three bureaus.
In VA almost everything is EQ and if a double pull its EQ and EX. i barely get any TU pulls.

I agree, I am in VA as well, and my EQ is pulled alot with EXP a close second, TU is the least pulled.

Re: Looking for VISA that pulls from EXP or TU

Loquat — Sun, 22 Jul 2018 22:36:26 GMT

OP, if you're into Synchrony, my wife was able to pick up the Ebates Visa with a single TU pull.

Re: Looking for VISA that pulls from EXP or TU

Anonymous — Tue, 24 Jul 2018 16:51:24 GMT

@Anonymous wrote:
Friends,

My EQ is currently frozen and I would have to remove the freeze that I put on it via mail. Can anyone recommend a good Visa card that pulls from EXP or TU?

My scores are in the low 700s, I currrently have one card: an Amex Everyday with a $5000 CL

I used to be a Dave Ramsey user and recently got back into using Credit Cards. I just got approved for the Amex Everyday this month.

In the past, I've had: Amex Blue Cash Everyday, Amex Plat, Amex Delta Reserve, Chase Sapphire Preferred, Chase Sapphire Reserve, US Bank Plat, WF Plat Rewards, Discover IT, Citi Hilton Signature. All are still on my file and all were closed at my request when I was doing Dave Ramsey, no late payments or derogs ever. All time high scores were in the 830s.

My preference would be something simple (no annual fee) like Citi Simplicity or Chase Freedom. Just looking for a good, dependable, everyday Visa card.

Advice?

US Bank Cash + visa/visa siggy. they pulled TU for me, im in Ohio. Chase pulled TU for me also for Freedom unlimited.