topic Re: Truist CC soft pull or hard??? in Credit Card Applications

Truist CC soft pull or hard???

Itachi175 — Sat, 15 Jan 2022 13:40:51 GMT

Hey guys im trying to get a clear anwser here about there credit card application once your approve. Is it a hard pull or soft?? And what bureau do they check?

Re: Truist CC soft pull or hard???

Anonymous — Sat, 15 Jan 2022 13:41:47 GMT

@Itachi175 wrote:
Hey guys im tryint to get a clear anwser here about there credit card application once your approve. Is it a hard pull or soft?? And what bureau do they check?

I opened a new CC with Truist on 11/24/2021. It was a HP on EQ. I am an existing customer with other CC's with them, a checking account and a savings account. Yet they still did a HP on me.

Thanks

Mark

Re: Truist CC soft pull or hard???

WavysMommy — Sun, 16 Jan 2022 12:34:19 GMT

Mine was a hard pull once I submitted my app. They pulled Equifax. Still waiting for a decision, as mine wasn't an instant approval or denial.

Re: Truist CC soft pull or hard???

bigseegar — Tue, 18 Jan 2022 15:50:48 GMT

It's a HP

Re: Truist CC soft pull or hard???

Anonymous — Mon, 31 Jan 2022 04:25:17 GMT

I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

Re: Truist CC soft pull or hard???

FinStar — Mon, 31 Jan 2022 20:31:29 GMT

@Anonymous wrote:
I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

@Anonymous - direct, non-pre approved applications are HP. The original poster didn't indicate which method they used. Pre-qualified offers (when available) seem to be SP so far.

Re: Truist CC soft pull or hard???

Wavester64 — Tue, 01 Feb 2022 21:41:09 GMT

@Anonymous wrote:
I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

I didn't realize Truist has a pre-qualify option.

I tried now (under current client) and I got that the service was unavilable.

Maybe the site is just down right now.

Re: Truist CC soft pull or hard???

Anonymous — Wed, 02 Feb 2022 23:40:02 GMT

@Wavester64 wrote:
@Anonymous wrote:
I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.
I didn't realize Truist has a pre-qualify option.

I tried now (under current client) and I got that the service was unavilable.

Maybe the site is just down right now.

You have to select new client since they are doing the merger with accounts. When merger is done it will Link to your client account. I accepted 2 cards no HP both 5500 limit