Hi, I have been reading and gaining some knowledge on here for a few weeks now and finally decided to join a couple of days ago. I have a question but first I will give a little background. I got pre approvals for Cap one and Citi late last yr and got those cards to help in building my credit and those have helped quite a bit in the few short months I've had them. Fast forward to last week I got pre approvals for Credit One and Legacy Visa, both with annual fees but I only want to have them for a yr and then hope to be approved for a better card, perhaps Discover or Amex. Well my dilemma with these is that each one used a hard inquiry on my report whereas my Cap One and Citi did a soft pull. I read and researched and was under the impression that pre approvals are soft pull but neither of these were. Is this normal and is there anything I can do? Thanks in advance!
. The CLI on the Legacy Visa is a SP and comes around every 6 months by a letter in the mail. YES both will be a HP (ap). Hopes this helps.