topic Re: HP or SP for Discover second CC? in General Credit Topics

HP or SP for Discover second CC?

Swatch — Thu, 14 May 2020 20:10:51 GMT

I already have a card with Discover, which has the free monthly TransUnion credit score. I think I want to apply for a second card in a couple months. Would they do a HP? If it's HP, maybe I won't do it. I don't mind them looking at everything, but I don't want another inquiry.

Re: HP or SP for Discover second CC?

AllZero — Thu, 14 May 2020 20:14:00 GMT

HP.

Re: HP or SP for Discover second CC?

Brian_Earl_Spilner — Thu, 14 May 2020 20:44:49 GMT

It's gonna be a HP. The only slight correlation that's been found for an SP is people who use their credit monitoring. But there's nothing in concrete about it.

Re: HP or SP for Discover second CC?

M_Smart007 — Fri, 15 May 2020 04:57:14 GMT

Re: HP or SP for Discover second CC?

Iusedtolurk — Fri, 15 May 2020 12:38:02 GMT

@Swatch wrote:
I already have a card with Discover, which has the free monthly TransUnion credit score. I think I want to apply for a second card in a couple months. Would they do a HP? If it's HP, maybe I won't do it. I don't mind them looking at everything, but I don't want another inquiry.

I believe you can only apply for another Disco after your 1st one is a year old and yes it will be a new account so definitely a hardpull.