BJ's CapitalOne HP during application

[raisemysc0re]

I am currently considering applying for the BJ's MasterCard One+ credit card for the 5% BJ's Cash Back perk as well as their Gas discount.

I have 2 questions that might help me decide:

Now that BJ's credit cards are handled by CapOne :

1. Does that mean 3 Hard Pulls? One for EQ, EX and TU?

Also, I do not see a PreApproval for this card.

I got a mailer for the One, but not the One+

2. Are there any DPs for approval of the One+

[CYBERSAM]

This card is very new to have specific data available yet! However given Cap1 is issuing it, triple pull should be standard!

As far as qualification criteria I would say similar to Walmart MC. This should not be a hard card to get!

[raisemysc0re]

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@CYBERSAM wrote:

This card is very new to have specific data available yet! However given Cap1 is issuing it, triple pull should be standard!

As far as qualification criteria I would say similar to Walmart MC. This should not be a hard card to get!

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I was thinking that the 3% Mastercard One card is on the same acceptance criteria as WalMart card but the 5% Mastercard One+ might be a little, or a lot, harder to get.

My thinking is it might be a better analogy to Amazon Store VS Amazon Chase Prime??? 

[CYBERSAM]

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@raisemysc0re wrote:

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@CYBERSAM wrote:

This card is very new to have specific data available yet! However given Cap1 is issuing it, triple pull should be standard!

As far as qualification criteria I would say similar to Walmart MC. This should not be a hard card to get!

---

I was thinking that the 3% Mastercard One card is on the same acceptance criteria as WalMart card but the 5% Mastercard One+ might be a little, or a lot, harder to get.

My thinking is it might be a better analogy to Amazon Store VS Amazon Chase Prime??? 

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One MC and One+ MC has noting to do with Cap1. That is based on the membership plan you pay to BJs.

[Birdie1]

I just got approved yeserday for the Cap 1 BJ's Card. i got a 2,000 SL. Its the 3% rewards one i was approved for.

[M_Smart007]

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@Birdie1 wrote:

I just got approved yeserday for the Cap 1 BJ's Card. i got a 2,000 SL. Its the 3% rewards one i was approved for.

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Congrats on your BJ's Approval 🥳

[JoeRockhead]

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@Birdie1 wrote:

I just got approved yeserday for the Cap 1 BJ's Card. i got a 2,000 SL. Its the 3% rewards one i was approved for.

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Congratulations on the approval!

[raisemysc0re]

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@Birdie1 wrote:

I just got approved yeserday for the Cap 1 BJ's Card. i got a 2,000 SL. Its the 3% rewards one i was approved for.

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Can you verify if it is 3 pulls or just 1?

[Birdie1]

Yes it was a triple pull

[LightBright]

I was pre-approved during my BJs Memebership Renewal.  They only pulled TransUnion, for myself, offering a 3K limit.  My benefit is .15 cents off of each gallon, in addition to the normal rewards offer.

I like it so far.  I didn't have a hp on Equifax nor Experian, they only pulled TransUnion.  I keep my Credit File Frozen, all bureaus, received an "unfreeze" request for TransUnion only.

I hope this helps.  My other-half received "Pre-Qualified" during renewal, decided not to go for it.  I was instantly approved, upon accepting their (BJs) offer.

BJs paperwork cited 642, TransUnion Credit Score.