Spark Application - 3 Pull ?

[Andy77]

When you apply for Spark on behalf of your business does Cap one pull 3 credit reports as they do for their personal cards ?

Thanks

[B335is]

Yes it's 3 pulls.

[Andy77]

Well this is going to be interesting.  I applied for and was approved on the 20th of Oct for a Cap One personal card.

I applied for the Spark on Oct 23, at that time, I had an "appoved" personal card application on file but no 16 dig account number generated yet.

I know for a fact that Cap One did not pull 3 bureaus on Oct 23 or after (for the Spark Application) as I pulled my EQ today and no inq.

I hope I am not declined for the Spark business because I was just approved for a personal card

(I read here where a member got two cards, personal and business in a few days time so I think I might be fine here.

One of the reps told me something interesting today..he said you have a very high ranking with us (maybe thats because my other opened cap one CL is 20k)

I do find it odd that my CR's were not pulled when I submitted the app and still not one business day later for the Spark card

Any thoughts as to what could be happening and why the CR's were not pulled ?  System thought was duplicate maybe ?

[B335is]

So they didn't do any hard pulls? I wonder if they reused your other hard pulls? I had my EX on security freeze so they pulled EQ and TU but still approved me for 15k on Spark. The Spark acct showed up online after a few days. The card came about 1 week after i applied.

[Anonymous]

On the OP question, yeah they pulled all 3 for me.

On the second question I saw in the thread......Capital One allows you to apply no more than twice in a 30 day period to be considered for approval (it was in all the fine print they sent with my offer).   You should be fine!!!!!

You can also have up to five cards with them according to all the fine print.  If you get a preapproval in the mail, it's written in the little five page booklet they send.

[Anonymous]

They pulled all 3 bureaus for me twice within 24 hours. Once I was approved for the QS I decided to apply for the business card the next day I am not stuck with 2 hard pulls of all 3 bureaus. I asked why they didn't use the info from the original pull and they said because it was a different type of card.

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@Anonymous wrote:

On the OP question, yeah they pulled all 3 for me.

On the second question I saw in the thread......Capital One allows you to apply no more than twice in a 30 day period to be considered for approval (it was in all the fine print they sent with my offer).   You should be fine!!!!!

You can also have up to five cards with them according to all the fine print.  If you get a preapproval in the mail, it's written in the little five page booklet they send.

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[Andy77]

Well, I checked today and no pulls as of yet...very strange...applied on 10/23/14

[B335is]

Andy have you called to check the app status?

[Creditaddict]

call the excutive office, what are you waiting for!