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CapOne SP or HP ?

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SnowBowl
Frequent Contributor

CapOne SP or HP ?

so I filled it out  several steps including DOB, SSN, etc to get pre approval results and I got all 3 QS , Savor and venture ( $95 AF and no AF ) but I saw "complete your application " green tabs but decided not to go fully and x  it out, did I end up causing HP ? changed my mind basically, I think I am gonna wait until spring of 2023 and go for CSR.  Thanks for any insights.  Smiley Happy 

on this date 1-22-24 all 3 bureaus are currently frozen until 1-22-26
VantageScore 3.0 EQ 753
Message 1 of 6
5 REPLIES 5
Jnbmom
Credit Mentor

Re: CapOne SP or HP ?


@SnowBowl wrote:

so I filled it out  several steps including DOB, SSN, etc to get pre approval results and I got all 3 QS , Savor and venture ( $95 AF and no AF ) but I saw "complete your application " green tabs but decided not to go fully and x  it out, did I end up causing HP ? changed my mind basically, I think I am gonna wait until spring of 2023 and go for CSR.  Thanks for any insights.  Smiley Happy 


If you complete the application You will get 3 HPs triple pull with them .

EXP 780 EQ 796 TU 810
Message 2 of 6
PapaTunde
Established Contributor

Re: CapOne SP or HP ?

You should be ok

All Fico9 835+ or there abouts

These violent delights have violent ends
Message 3 of 6
Zoostation1
Valued Contributor

Re: CapOne SP or HP ?

I did the preapproval tool a bunch of times before my most recent Capital One app and it's always a SP unless you complete the app and get the triple HP that others already mentioned.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Dec 2024 FICO 8:
Dec 2024 FICO 9:
Message 4 of 6
blazerein
Established Contributor

Re: CapOne SP or HP ?


@SnowBowl wrote:

so I filled it out  several steps including DOB, SSN, etc to get pre approval results and I got all 3 QS , Savor and venture ( $95 AF and no AF ) but I saw "complete your application " green tabs but decided not to go fully and x  it out, did I end up causing HP ? changed my mind basically, I think I am gonna wait until spring of 2023 and go for CSR.  Thanks for any insights.  Smiley Happy 


Soft Pull until you apply for it.  I got pre-approval for a Secured Platinum Credit Card. 

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 5 of 6
OmarGB9
Community Leader
Super Contributor

Re: CapOne SP or HP ?

As others have said, SP for the pre approval. Would only be an HP (3x, at that - 1 per bureau) if you follow through with the full application. So, no harm done. Smiley Happy


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


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