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I have searched the forum and cannot find an answer on this.
I was just approved for an Auto Loan Refi for my truck with USAA. They pulled EXP and I am curious if I applied for a CC, if they would use that same HP? My immediate thought is that they would not, but I have heard of some institutions offering other products using that same HP. If they did, I assume I would have to be speaking with a CSR and not go through the system online which would auto-pull.
Does anyone have any insight on this?
I believe I have seen DPs that every product is a separate HP.
This is all I could find as evidence, although it is rather old:
https://ficoforums.myfico.com/t5/Credit-Cards/USAA-HP-or-SP/m-p/1489012
2017, everything was it's own HP for me.
All Equifax.
Thank you, folks. I appreciate your input. I am re-establishing a relationship with them at the moment and even if I were offered a low SL on a card, I would probably take it just to rebuild with them. I just refinanced my truck with them at 3.59% so it appears they don't hate me too much. But, then again, that is also a secured loan.
We shall see.
@azguy13 I would wait just a bit, and see if you have any credit card offers that show up in their app. You'll have much better odds for approval than just a cold app.