https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5556980#M1632132 <P>Thanks for the replies, I was just padding for utilization. I’m going to back off.&nbsp;</P> Sat, 30 Mar 2019 00:05:15 GMT Howaboutthat 2019-03-30T00:05:15Z https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5555540#M1631885 Today I joined total rewards and went to the TR Visa page, I looked at the info and noticed an opt out with 3 apr rates. I looked at the app and they want my full SS# not just the last four. My Eq score is 661. My question is should I go for it knowing it may pre-approved (opt out) but will definitely be a hard pull. Fri, 29 Mar 2019 01:28:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5555540#M1631885 Howaboutthat 2019-03-29T01:28:51Z https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5555550#M1631886 <P>If you have a need for the card based on the benefits and are ok with the HP and new account, that's more or less up to you OP</P> Fri, 29 Mar 2019 01:39:46 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5555550#M1631886 FinStar 2019-03-29T01:39:46Z https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5555560#M1631887 <P>If it is one of your goal cards and your INQs are low, go for it. A decline will steel your resolve to fix what they think is wrong. If you have several goal cards you want and are on a trajectory to get there, wait for pre-approvals.</P><P>&nbsp;</P><P>My two cents.</P><P>&nbsp;</P><P>Good luck!</P> Fri, 29 Mar 2019 01:49:45 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5555560#M1631887 mikesonthemend 2019-03-29T01:49:45Z https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5556980#M1632132 <P>Thanks for the replies, I was just padding for utilization. I’m going to back off.&nbsp;</P> Sat, 30 Mar 2019 00:05:15 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Total-Rewards-Visa/m-p/5556980#M1632132 Howaboutthat 2019-03-30T00:05:15Z