Truist CC soft pull or hard???

[Itachi175]

Hey guys im trying to get a clear anwser here about there credit card application once your approve. Is it a hard pull or soft?? And what bureau do they check?

[Anonymous]

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@Itachi175 wrote:

Hey guys im tryint to get a clear anwser here about there credit card application once your approve. Is it a hard pull or soft?? And what bureau do they check?

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I opened a new CC with Truist on 11/24/2021. It was a HP on EQ. I am an existing customer with other CC's with them, a checking account and a savings account. Yet they still did a HP on me.

Thanks

Mark

[WavysMommy]

Mine was a hard pull once I submitted my app. They pulled Equifax. Still waiting for a decision, as mine wasn't an instant approval or denial.

[bigseegar]

It's a HP

[Anonymous]

I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

[FinStar]

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@Anonymous wrote:

I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

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@Anonymous - direct, non-pre approved applications are HP. The original poster didn't indicate which method they used. Pre-qualified offers (when available) seem to be SP so far.

[Wavester64]

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@Anonymous wrote:

I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

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I didn't realize Truist has a pre-qualify option.

I tried now (under current client) and I got that the service was unavilable.

Maybe the site is just down right now.

[Anonymous]

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@Wavester64 wrote:

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@Anonymous wrote:

I did pre qualify and only got SP. approved 5500. Checked all bureaus no hard pull.

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I didn't realize Truist has a pre-qualify option.

I tried now (under current client) and I got that the service was unavilable.

Maybe the site is just down right now.

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You have to select new client since they are doing the merger with accounts. When merger is done it will Link to your client account. I accepted 2 cards no HP both 5500 limit