topic Re: BEST BUY Just a thanks in Credit Cards

BEST BUY Just a thanks

Anonymous — Sun, 28 Aug 2011 00:01:30 GMT

So, guys I went to Best Buy today to buy a new laptop. My old one crapped out after 4+ years. Found a good deal and the rep talks about the money I can save with one of there BEST BUY REWARDS CARDS. I blantanly asked, "SOFT OR HARD PULL?" She replied it is a soft credit check and I instantly smiled. This is just for the STORE CARD. Welp, she did the whole process and I was approved for $2,000 CL and NO APR for 18 MONTHS. Pretty sweet deal. I figured this would be ok for me since I recently paid off my GEMB Art Van card. The point is: if I wasn't a regular viewer of this website, I wouldn't have asked the question. THANKS GUYS!! And this extra $2,000 is going to help my UTILIZATION.

Re: BEST BUY Just a thanks

Woolfman — Sun, 28 Aug 2011 00:04:21 GMT

Being a reader of the website... You surely didnt believe her did you? Because i would be willing to bet it wasnt a soft pull.

Re: BEST BUY Just a thanks

-Cain- — Sun, 28 Aug 2011 00:20:16 GMT

Whoa! If it is a soft pull, very nice!

I do think the rep was not knowledgable on that subject though.

Re: BEST BUY Just a thanks

LS2982 — Sun, 28 Aug 2011 00:21:36 GMT

@Anonymous wrote:
So, guys I went to Best Buy today to buy a new laptop. My old one crapped out after 4+ years. Found a good deal and the rep talks about the money I can save with one of there BEST BUY REWARDS CARDS. I blantanly asked, "SOFT OR HARD PULL?" She replied it is a soft credit check and I instantly smiled. This is just for the STORE CARD. Welp, she did the whole process and I was approved for $2,000 CL and NO APR for 18 MONTHS. Pretty sweet deal. I figured this would be ok for me since I recently paid off my GEMB Art Van card. The point is: if I wasn't a regular viewer of this website, I wouldn't have asked the question. THANKS GUYS!! And this extra $2,000 is going to help my UTILIZATION.

She lied to you. I will NOT be a soft pull. Congrats on the new card tho!

Re: BEST BUY Just a thanks

911gt34life — Sun, 28 Aug 2011 00:29:03 GMT

i apply as well and it was hard pull so she lie.

Re: BEST BUY Just a thanks

trumpet-205 — Sun, 28 Aug 2011 00:32:40 GMT

Any credit application will result hard pull.

Either she doesn't know the difference between soft and hard pull, or she lied.

Re: BEST BUY Just a thanks

LS2982 — Sun, 28 Aug 2011 00:35:16 GMT

@trumpet-205 wrote:
Any credit application will result hard pull.

Either she doesn't know the difference between soft and hard pull, or she lied.

Willing to bet she didn't know better. Only what BB teaches her to sell on their promotions.

Re: BEST BUY Just a thanks

Anonymous — Sun, 28 Aug 2011 00:38:19 GMT

Oh.....oh ok. Well it wasn't their mastercard so I thought maybe it was correct.

Re: BEST BUY Just a thanks

-Cain- — Sun, 28 Aug 2011 02:05:21 GMT

You got a nice CL, so it may have been worth it. Unless you've been apping like crazy, 1 INQ shouldn't hurt much anyway. Congrats again.

Re: BEST BUY Just a thanks

haulingthescoreup — Sun, 28 Aug 2011 01:59:25 GMT

Applying for new credit is applying for new credit, whether the BBRZ MC or the store card; therefore a hard inq. Congrats, anyway!

Re: BEST BUY Just a thanks

Anonymous — Sun, 28 Aug 2011 02:32:58 GMT

^^^^^^^OH!!OK Got it now!! THANKS!! Well at least it well help towards utilization.^^^^^^^

Re: BEST BUY Just a thanks

PNut08 — Sun, 28 Aug 2011 03:32:18 GMT

It may actually be a soft pull. I got a BB store card within the last month and just checked EX and TU this week and it does not show up on mine as a hard pull. However, I had a BB store card a number of years ago (always in good standing...I used it for financing deals and was never late and always paid off the balance before interest was charged). Anyway, I have a BB inq showing up as a soft pull.

So if you had a card in the past that was in good standing, then HSBC may do a soft pull.

Re: BEST BUY Just a thanks

-Cain- — Sun, 28 Aug 2011 03:34:40 GMT

Did you check EQ as well? You have a soft on EX or TU from the date you applied?

Re: BEST BUY Just a thanks

PNut08 — Sun, 28 Aug 2011 03:37:40 GMT

EX, I'm in NC. I did not check EQ. But the soft shows up on EX, no hard.

Re: BEST BUY Just a thanks

haulingthescoreup — Sun, 28 Aug 2011 03:40:45 GMT

IIRC (if I recall correctly), HSBC pulled Equifax for me when I got the store card. This could very well vary, though.

Re: BEST BUY Just a thanks

-Cain- — Sun, 28 Aug 2011 03:43:42 GMT

Interesting. I'd like to see if OP only gets softed as well. I thought HSBC pulled EQ and/or TU mainly.

Re: BEST BUY Just a thanks

PNut08 — Sun, 28 Aug 2011 03:52:02 GMT

A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.

Re: BEST BUY Just a thanks

Anonymous — Sun, 28 Aug 2011 03:52:49 GMT

As others have said, it's worth the hard pull assuming you don't have a lot of inquiries on you right now. 2k limit + whatever money you saved by signing up for the card + 18 months no interest is pretty sweet!

Re: BEST BUY Just a thanks

haulingthescoreup — Sun, 28 Aug 2011 04:01:24 GMT

@PNut08 wrote:
A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.

Many, many lenders will soft you on one report but pull a hard for an actual app on another. That way they have more info on you, since many people have, errr, "prettier" reports with one CRA than another.

--and that happens both when you already are a customer, and when you don't have an account with them.

Re: BEST BUY Just a thanks

Anonymous — Sun, 30 Oct 2011 07:28:35 GMT

It is not a soft pull! HSBC does a hard inquiry that is reported to all 3 credit reporting agencies. I would bet that she had no idea what you were talking about.

topic Re: BEST BUY ***Just a thanks*** in Credit Cards

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topic Re: BEST BUY Just a thanks in Credit Cards

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