Another PenFed EQ pull?

[ddemari]

On 8/17 penfed pulled EQ for my credit card app- resulting in 2 instant approvals for cards.

I decided I wanted to open an Access America checking account, called them and they they did it on the phone, easy breezy.

So i log into penfed and I have a hard time with self control, so I apply for one more card, thinking that the pull from my cards last week will be used like usual. Well I was declined the 3rd card, not a big deal just had to get it out of my system lol.

So do you thnik the 2nd pull came from the checking account even though I have had a PenFed membership since early 2014 or they pulled me again to say dont app for any more cards? weird the checking would result in another pull though. 

[Saleen099]

---

@ddemari wrote:

On 8/17 penfed pulled EQ for my credit card app- resulting in 2 instant approvals for cards.

I decided I wanted to open an Access America checking account, called them and they they did it on the phone, easy breezy.

So i log into penfed and I have a hard time with self control, so I apply for one more card, thinking that the pull from my cards last week will be used like usual. Well I was declined the 3rd card, not a big deal just had to get it out of my system lol.

So do you thnik the 2nd pull came from the checking account even though I have had a PenFed membership since early 2014 or they pulled me again to say dont app for any more cards? weird the checking would result in another pull though. 

---

NO BIG DEAL.  Not even a week.  Back to the Garden with you. 

[ddemari]

I just pulled an eq report and penfed pulled me on 8/17 and 8/26.

[ddemari]

Sorry 8/27

[NRB525]

---

@ddemari wrote:

On 8/17 penfed pulled EQ for my credit card app- resulting in 2 instant approvals for cards.

I decided I wanted to open an Access America checking account, called them and they they did it on the phone, easy breezy.

So i log into penfed and I have a hard time with self control, so I apply for one more card, thinking that the pull from my cards last week will be used like usual. Well I was declined the 3rd card, not a big deal just had to get it out of my system lol.

So do you thnik the 2nd pull came from the checking account even though I have had a PenFed membership since early 2014 or they pulled me again to say dont app for any more cards? weird the checking would result in another pull though. 

---

Well, I'm just guessing here, but would one have to call in to talk to a rep and ask them to leverage the prior HP to make the CC/Loan app? I'm not sure how a cold app would know that a HP existed in the user file. It's possible, but I'm not sure it's done that way.

The checking account was probably in this method: You were talking with a rep, so they knew to use the HP on file, easy cheezy.

Congratulations on the new cards anyway!

[ddemari]

i get what you mean. I called csr for two reasons. I needed help closing a share account that had no money in it and i needed to see why it said restricted next to checking account application. 

i assumed the hard pull was in the system, she never said anything about pulling credit for doing it. I just thought she was doing me a solid and just opening it up for me. 

otherwise i really didnt need it for a hard pull but ill chuck it off to experience for next time. 

[ddemari]

I should have asked her, I didnt even think to ask her. she was so nice, reversed the fee from the ach thing i did wrong, closed the share account i didnt want. 

i didnt think to ask her any questions, a duh on me. I guess maybe because on their website it says, qualified customers, this checking account can be a line of credit. 

but i dont use products like that really, unless im missing out on something lol. 

[ddemari]

The checking account shows up on my page but no where does it talk about the line of credit. Im assuming i didnt qualify?

[Gmood1]

Give it about a week before your CC accounts show up.