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Commerce Bank

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800goal800
Frequent Contributor

Commerce Bank

We are refinancing our car with Commerce tomorrow.   Since they approved us for a car loan, would a bank ever consider a credit card using the same application/credit report?  I don’t really want another HP.

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Commerce Bank

Right before you sign the papers make sure you ask!  Commerce doesn't want to give up just credit cards...  They have co-branded cards that are available, but for a Commerce Bank CC they wanna have business with you and a car loan most certainly is business.

Message 2 of 5
FinStar
Moderator Emeritus

Re: Commerce Bank

It will be a separate HP for other loan products OP. They do not reuse the same HP.
Message 3 of 5
sarge12
Senior Contributor

Re: Commerce Bank


@800goal800 wrote:

We are refinancing our car with Commerce tomorrow.   Since they approved us for a car loan, would a bank ever consider a credit card using the same application/credit report?  I don’t really want another HP.


Would this be Commerce Bank of Beverly Hills? My Uncle Jed use to have money there...if you get this you are old...whee doggies!

TU fico08=824 06/16/24
EX fico08=815 06/16/24
EQ fico09=809 06/16/24
EX fico09=799 06/16/24
EQ fico bankcard08=838 06/16/24
TU Fico Bankcard 08=847 06/16/24
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 4 of 5
Anonymous
Not applicable

Re: Commerce Bank


@sarge12 wrote:

@800goal800 wrote:

We are refinancing our car with Commerce tomorrow.   Since they approved us for a car loan, would a bank ever consider a credit card using the same application/credit report?  I don’t really want another HP.


Would this be Commerce Bank of Beverly Hills? My Uncle Jed use to have money there...if you get this you are old...whee doggies!


I’m 34 and I get the reference. Smiley Tongue

Message 5 of 5
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