Which Banks / Services No Hard Pull On Decline?

[Jazee]

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@Gunnerboy wrote:

Anecdotal: AMEX approved me with all files frozen.

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That's very surprising unless you already had a relationship with Amex? You mean even after final approval and card issued no HP? Wow

[Jazee]

I've got 0/24 inquiries all bureaus. I'm wondering if it's best to just unthaw even before prequal forms as to just avoid hassle or when they advertise not effect to credit you can rely on that? Can Banks do hp and on denial get inquiries removed? I would think not. 

[Gunnerboy]

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@Jazee wrote:

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@Gunnerboy wrote:

Anecdotal: AMEX approved me with all files frozen.. 

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That's very surprising unless you already had a relationship with Amex? You mean even after final approval and card issued no HP? Wow

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Yes, very long relationship.  I was prepared to unfreeze, if my BPP app had required so.

[StrongerReturn2018]

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@snapcat wrote:

I keep getting emails inviting me to apply for the Venmo Mastercard from Synchrony saying there is no hard pull if declined. I haven't tried it, because ... well, it's Synchrony. Why poke the bear when you don't have to.

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It used to be a pre-approval that you could choose to accept or decline. I believe that has changed over the years. 🤷🏼‍♀️

[fullstackdev]

First Electronic Bank/Imprint card products seem to provide APR and credit limit with only a soft pull. Hard pull when you accept. Some of their cards:
Turkish Airlines Miles and Smiles Visa
Brooks Brothers Mastercard
Eddie Bauer Visa