topic Re: Citizens Bank Biz MC - no hard pull on personal CR.. in Business Credit

Citizens Bank Biz MC - no hard pull on personal CR..

jaxstraw — Wed, 16 Sep 2020 01:30:49 GMT

Applied a year ago and was denied.

Tried again a week ago and just checked status online and saw this..

No hard pull either time which leads me to believe this is another no PG card..

I think they check Biz Experian and Duns ( got inquiry notifications on both).....also asked for 3 months bank statements..

Re: Citizens Bank Biz MC - no hard pull on personal CR..

AllZero — Wed, 16 Sep 2020 01:30:08 GMT

Congratulations on your approval!

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Rgudino1717 — Wed, 16 Sep 2020 05:30:26 GMT

Do you have any other accounts with them?

Re: Citizens Bank Biz MC - no hard pull on personal CR..

jaxstraw — Wed, 16 Sep 2020 08:41:04 GMT

@Rgudino1717 wrote:
Do you have any other accounts with them?

No....... doesn't seem to be a requirement although I think I remember telling someone I would consider it if I was approved.......lol.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

M_Smart007 — Thu, 17 Sep 2020 00:36:36 GMT

Congratulations on your Approval..

Re: Citizens Bank Biz MC - no hard pull on personal CR..

pizza1 — Sat, 19 Sep 2020 17:22:49 GMT

Did you unlock any personal reports just in case of a pull?

Re: Citizens Bank Biz MC - no hard pull on personal CR..

spiritcraft1 — Sat, 19 Sep 2020 17:57:17 GMT

Congrats. Are they geofenced?

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Credit4Growth — Sat, 19 Sep 2020 20:41:52 GMT

👋 and Congrats ... on the approval!👍

Let us know how this card works out for you. I'll be reading up on responses to the follow up questions already posted.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

jaxstraw — Sat, 19 Sep 2020 22:30:06 GMT

@pizza1 wrote:
Did you unlock any personal reports just in case of a pull?

None of my reports have ever been locked.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

jaxstraw — Sat, 19 Sep 2020 22:32:38 GMT

@spiritcraft1 wrote:
Congrats. Are they geofenced?

I do not know if they are geofenced.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

WayneSki — Tue, 29 Sep 2020 18:51:52 GMT

@jaxstraw wrote:
Applied a year ago and was denied.
Tried again a week ago and just checked status online and saw this..
No hard pull either time which leads me to believe this is another no PG card..
I think they check Biz Experian and Duns ( got inquiry notifications on both).....also asked for 3 months bank statements..

Applied for the credit card on 9/17 . Received my credit card today with a $9500 starting limit. Soft pull on Equifax and bank statements only.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Five6Two — Tue, 29 Sep 2020 19:59:32 GMT

Congrats on your recent approval! I applied and my credit (biz) was pulled but they did not ask for more information as the State I live in does not carry any of their products...oh well.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

AllZero — Tue, 29 Sep 2020 20:26:56 GMT

@WayneSki wrote:
@jaxstraw wrote:
Applied a year ago and was denied.
Tried again a week ago and just checked status online and saw this..
No hard pull either time which leads me to believe this is another no PG card..
I think they check Biz Experian and Duns ( got inquiry notifications on both).....also asked for 3 months bank statements..
Applied for the credit card on 9/17 . Received my credit card today with a $9500 starting limit. Soft pull on Equifax and bank statements only.

Congratulations on your approval!

Re: Citizens Bank Biz MC - no hard pull on personal CR..

M_Smart007 — Tue, 29 Sep 2020 21:07:58 GMT

@WayneSki wrote:
Applied for the credit card on 9/17 . Received my credit card today with a $9500 starting limit. Soft pull on Equifax and bank statements only.

Congratulations on your Approval..

Re: Citizens Bank Biz MC - no hard pull on personal CR..

bourgogne — Tue, 29 Sep 2020 23:32:27 GMT

hey that is xlnt, congrats. it was pre-approved, when did the topic of bank statements come up and what did they want them for, to check the bal or to see if you have had an account open for 3 months? its no pg and does not report? thx

Re: Citizens Bank Biz MC - no hard pull on personal CR..

WayneSki — Tue, 29 Sep 2020 23:54:36 GMT

@bourgogne wrote:
hey that is xlnt, congrats. it was pre-approved, when did the topic of bank statements come up and what did they want them for, to check the bal or to see if you have had an account open for 3 months? its no pg and does not report? thx

Soft pull and 3 months of bank statements was part of the requirement when applying. Not sure if they were checking deposits or balance,the particular account I used had inconsistent deposits for the last few months. They stated it reports to all 3 credit bureaus, but wasn't sure about D&B. Doesn't report to personal unless you default.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

bourgogne — Tue, 29 Sep 2020 23:59:55 GMT

@WayneSki wrote:
@bourgogne wrote:
hey that is xlnt, congrats. it was pre-approved, when did the topic of bank statements come up and what did they want them for, to check the bal or to see if you have had an account open for 3 months? its no pg and does not report? thx
Soft pull and 3 months of bank statements was part of the requirement when applying. Not sure if they were checking deposits or balance,the particular account I used had inconsistent deposits for the last few months. They stated it reports to all 3 credit bureaus, but wasn't sure about D&B. Doesn't report to personal unless you default.

lol inconsistent - ha-ha, that is my middle name when it comes to checking accounts. thanks for the info, I like to be in the know should friends ever ask. be well

Re: Citizens Bank Biz MC - no hard pull on personal CR..

jaxstraw — Wed, 30 Sep 2020 01:02:00 GMT

@WayneSki wrote:
@bourgogne wrote:
hey that is xlnt, congrats. it was pre-approved, when did the topic of bank statements come up and what did they want them for, to check the bal or to see if you have had an account open for 3 months? its no pg and does not report? thx
Soft pull and 3 months of bank statements was part of the requirement when applying. Not sure if they were checking deposits or balance,the particular account I used had inconsistent deposits for the last few months. They stated it reports to all 3 credit bureaus, but wasn't sure about D&B. Doesn't report to personal unless you default.

The first time I applied a year or so ago (was denied)....the front line CSR called me back to go over my statements.

My stated yearly income didn't match the current 3 statements.

I explained that I sometimes work long projects where final draws can amount to over 50% of contract and that it wasn't possible to arrive at yearly with only these three statements.

So they asked for a few more dated farther back.

From this experience I believe they are definitely checking revenue.

Re: Citizens Bank Biz MC - no hard pull on personal CR..

myfavoritehue — Sun, 20 Dec 2020 04:50:16 GMT

@WayneSki wrote:
@bourgogne wrote:
hey that is xlnt, congrats. it was pre-approved, when did the topic of bank statements come up and what did they want them for, to check the bal or to see if you have had an account open for 3 months? its no pg and does not report? thx
Soft pull and 3 months of bank statements was part of the requirement when applying. Not sure if they were checking deposits or balance,the particular account I used had inconsistent deposits for the last few months. They stated it reports to all 3 credit bureaus, but wasn't sure about D&B. Doesn't report to personal unless you default.

How would this work if you are applying with a new biz? Or would it work at all?

Re: Citizens Bank Biz MC - no hard pull on personal CR..

WayneSki — Sun, 20 Dec 2020 16:48:04 GMT

@myfavoritehue wrote:

@WayneSki wrote:
@bourgogne wrote:
hey that is xlnt, congrats. it was pre-approved, when did the topic of bank statements come up and what did they want them for, to check the bal or to see if you have had an account open for 3 months? its no pg and does not report? thx
Soft pull and 3 months of bank statements was part of the requirement when applying. Not sure if they were checking deposits or balance,the particular account I used had inconsistent deposits for the last few months. They stated it reports to all 3 credit bureaus, but wasn't sure about D&B. Doesn't report to personal unless you default.
How would this work if you are applying with a new biz? Or would it work at all?

They asked me for 3 months of bank statements. I dont know how "new" your business is so I would not be able to answer that. I would call them to get the proper answer.