Ok good point. So I unfroze EX as well. Little DP, thaws start when you specify, and end at 11:59pm on the day you specify, so it basically will carry you throughout the day that you specify. Good stuff.
@805orbust wrote:Ok good point. So I unfroze EX as well. Little DP, thaws start when you specify, and end at 11:59pm on the day you specify, so it basically will carry you throughout the day that you specify. Good stuff.
YES
@markhs777 that's a great point. It makes me wonder tho, what kind of info these banks get from soft pulls. I've had an REI MC from them since 2017, and a $30k loan on my wife's car. They should know exactly what I'm up to? Plus I get the free Fico score from them in my online account which means they SP monthly... unless I'm missing something which is completely within the realm of possibility. 🤣
@805orbust wrote:@markhs777 that's a great point. It makes me wonder tho, what kind of info these banks get from soft pulls. I've had an REI MC from them since 2017, and a $30k loan on my wife's car. They should know exactly what I'm up to? Plus I get the free Fico score from them in my online account which means they SP monthly... unless I'm missing something which is completely within the realm of possibility. 🤣
They get the exact same info from a SP as from a HP. The only reason lenders tend to do HPs is just to leave their "mark" and tell other lenders you were previously seeking credit with them.
@OmarGB9 gotcha. Makes sense... and yet, doesn't. Whatever, either way, these idiots approved the card. With a $2,000 limit?!? I'll keep it till the 0% interest period is up but what an absolute waste of time. The REI MC they gave me back in 2017 had an SL of $6500 (CapOne took it over back in July) and I've got my wife's Porsche financed thru them for the last year. They will be on my blacklist henceforth. Screw them. 
They can go to where I sent Barclays 5 years ago!
Congrats on the approval -- feel free to start a new thread in Credit Card Approvals to continue the discussion 