I’m pretty sure it is a HP (unless something has changed).
If you really want the card, the HP is worth it IMO.
It's definitely a hard pull. It is also a hard pull for a CLI unless they auto CLI you.
it's likely a SP for pre-qual purposes just to see if you're worth the paper work. But it's definitely a HP to open the account.
Best Buy does not have a prequal option like Citi does with HD. Reps will confirm this if you call.
SP usually for CLI's, Pre-Qualified, Pre-Approval, Insurance quotes... Loans, Credit Cards usually HP's unless it's reported by folks on here.
And this is the reason I love this board. As the employees were trying to get me to apply with false info, it's been corrected by coming on here. I thought something sounded really strange with the "soft hit' and getting my point back in 30 days. You all rock!! Thanks!!
I've frequently heard or overheard the soft pull pitch in various stores. I chalk it up to employees not knowing what they're talking about and that they're simply following instructions from management, who also doesn't know the difference. Some will explain that the effect of an inquiry on one's score is minimal, which is more accurate.