topic Advice & who pulls EX in Credit Cards

Advice & who pulls EX

bobtail — Tue, 28 Jul 2009 19:36:29 GMT

Hello,

Who pulls EX for Master Card or Visa? My credit file is thin. Holding off on applying, because in need of car loan. After reading some threads, should I apply for credit card before car loan? Seems applicants are being denied due to recent car loans. I only have a 320CL Orchard Bank. No baddies on EX. Two baddies on TU & EQ., A, 225,000 mortgage, 120 days, late but paid in full 2005 and one judgment from 2005 paid, reporting satisfied. EQ history 18 years and EX & TU history 7 years.

I am in New Jersey

EX fako 731 (report clean)

TU 715 1 baddie satisfied judgment(2005)

EQ 693 2 baddies both satisfied

Message Edited by bobtail on 07-28-2009 12:36 PM

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 19:33:17 GMT

Addison Avenue Federal Credit Union pulls EX and has good rates. Just join Financial Fitness Association for $5 and you are eligible.

Pennsylvania State Employees Credit Union (PSECU) pulls EX (but hard to qualify).

Re: Advice & who pulls EX

bobtail — Tue, 28 Jul 2009 19:37:34 GMT

Thank You. Should I apply for CC before auto loan?

Re: Advice & who pulls EX

score_building — Tue, 28 Jul 2009 19:43:39 GMT

Affinity Federal pulls EX (will pull TU if EX is frozen sometimes)

citibank is a big EX puller YMMV

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 19:49:01 GMT

HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up.

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 19:50:15 GMT

I would app for what you need first, and see if they will consider both on same pull. Addison is awesome to talk to on the phone (so for at least)

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 19:50:46 GMT

@Anonymous wrote:
HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up.

Does HSBC do auto loans?

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 19:58:48 GMT

@Anonymous wrote:
@Anonymous wrote:
HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up.

Does HSBC do auto loans?

Oh sorry I didn't realize OP wanted one bank for both the card and auto loan. But googled and HSBC apparently discontinued auto loans in 8/08

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 20:19:25 GMT

My theory:

1. CU's are best financial/credit partners

2. Finding a CU who pulls your strongest CR is best

3. Combination of CU paying good deposit rates and having good loan rates is double plus

4. Addison Avenue has CC rates as low as 5.24% and auto loans ~5.49%

5. Addison has dividend reward checking with 3.41% APR

6. Addison pulls EX

7. Anyone can join Addison (by joining Financial Fitness Association for $5)

So, from what I gathered from OP, Addison is a good candidate.

For me, EQ & TU were my best CR's, so I went with Alliant, PenFed & NFCU. However, I joined Addison as well.

Here's a link to Addison membership page:

https://addisonavenue.com/membership/

Message Edited by txjohn on 07-28-2009 01:19 PM

Re: Advice & who pulls EX

score_building — Tue, 28 Jul 2009 20:11:46 GMT

ExcellCR wrote:
HSBC owner of your Orchard pulls EX and has some prime cards too. But now the attack on HSBC can renew for me even bringing them up.

OP- yeah go ahead and skip HSBC, you can do better.

disclaimer: this is a word to the wise, not an attack

Re: Advice & who pulls EX

smallfry — Tue, 28 Jul 2009 20:36:43 GMT

I'm in NJ too. Citi Chase Amex all pulled EX. Patelco Credit Union pulled EX. HSBC pulled EX on their crap offering as well. BofA pulled EX. Capital One will pull EX in addition to any other CRA's out there. Not a complete list but a cursory look at that list could tell ya there is no way to get a port of prime issuers in this state w/o running up the 25 month special EX inquiries.

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 20:48:42 GMT

CapOne only pulled EX? Wow. Anything I ever did with Cap resulted in pulling all 3 CR's.

Re: Advice & who pulls EX

smallfry — Tue, 28 Jul 2009 20:49:59 GMT

@Anonymous wrote:
CapOne only pulled EX? Wow. Anything I ever did with Cap resulted in pulling all 3 CR's.

I haven't applied in 7 years but like you say they pull all three. Thought I said that.

Re: Advice & who pulls EX

Anonymous — Tue, 28 Jul 2009 20:51:36 GMT

Oops....I guess you did say that. I just scanned the list for EX and didn't notice the "in addition to" part.

I think OP wants to limit to EX if possible.

Re: Advice & who pulls EX

bobtail — Tue, 28 Jul 2009 23:56:09 GMT

Thank you for all the great advice. I will try, Addison Avenue Federal Credit Union. Seems as if NJ and EX are hand in hand. At least its my best report.