Question about Capital One Authorized User

[Anonymous]

Hello All,

This is my inaugural post and I had a quick question...I am an authorized user on a Capital One account but was recently pre approved for the Venture card. I wanted to know that if I was to apply, would it result in additional hard pulls or a soft pull? Can anyone assist? Thanks

[Jnbmom]

Yes it will be a hard inquiry,  3 to be exact they pull all three.

[Anonymous]

Hi Thanks Jnbmom, I really appreciate your information. It's funny, I called them to inquire also and I received two different versions...one rep told me that it would be a soft inquiry. I wasn't too sure of her quick information, so I decided to call back and confirm her sentiments. I was then informed by another representative that it would actually be yet ANOTHER hard pull, even though I already have a AU with perfect credit history with CapOne as well as with other CC companies...very confusing but to hear it from another consumer makes it more believable. 

[Anonymous]

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@Anonymous wrote:

Hi Thanks Jnbmom, I really appreciate your information. It's funny, I called them to inquire also and I received two different versions...one rep told me that it would be a soft inquiry. I wasn't too sure of her quick information, so I decided to call back and confirm her sentiments. I was then informed by another representative that it would actually be yet ANOTHER hard pull, even though I already have a AU with perfect credit history with CapOne as well as with other CC companies...very confusing but to hear it from another consumer makes it more believable. 

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Yup, like Jnbmom stated, 100% chance that Cap1 will pull each of the 3 bureaus. 

The only lenders I know of that SP for a new card include Amex if you're already a primary cardholder (typically SP, but HP shouldn't be unexpected), and using the Shopping Card Method (SCT).