cancel
Showing results for 
Search instead for 
Did you mean: 

Will US Bank use a hard pull for more than 1 application for credit?

tag
cashorcharge
Community Leader
Super Contributor

Will US Bank use a hard pull for more than 1 application for credit?

I seem to think I read "perhaps or maybe" with US Bank and can't find any data for certain.  I am looking for a CLI and tried the "SP Offer" route but that wasn't available so I'm curious...if I take the HP for a CLI (which will be for a businss account though they will still pull my personal TU) I am wondering if also applying for a personal card...the Altitude Reserve at the same time/same day/next day would only require 1 HP versus two.

 

I guess the CLI is more important to me than the new account but why not go for it.  I am 0/6 with sufficient income and 800+ scores.  

 

If you have experience....I'd love to hear about it.  Thanks for the guidance.

 

Any guidance @coldfusion  @M_Smart007 @Aim_High or @Remedios (if you're still here)

 

Thanks...

maxresdefault.jpg

 

Message 1 of 7
6 REPLIES 6
M_Smart007
Legendary Contributor

Re: Will US Bank use a hard pull for more than 1 application for credit?

I have never had them re-use a HP for Me.

Count on HP for each.

 

Happy New Year!

Message 2 of 7
Traveler101
Established Contributor

Re: Will US Bank use a hard pull for more than 1 application for credit?

There have been multiple people who were not happy with their opening cl. They had to incur an additional hp to attempt to increase it just after opening. Some folks can get a sp cli at 7 months. I haven't been so lucky.

Message 3 of 7
cashorcharge
Community Leader
Super Contributor

Re: Will US Bank use a hard pull for more than 1 application for credit?


@M_Smart007 wrote:

I have never had them re-use a HP for Me.

Count on HP for each.

 

Happy New Year!


Thanks so much @M_Smart007  and Happy New Year to you as well!! 

Message 4 of 7
cashorcharge
Community Leader
Super Contributor

Re: Will US Bank use a hard pull for more than 1 application for credit?


@Traveler101 wrote:

There have been multiple people who were not happy with their opening cl. They had to incur an additional hp to attempt to increase it just after opening. Some folks can get a sp cli at 7 months. I haven't been so lucky.


Thanks for the feedback @Traveler101 

Message 5 of 7
Remedios
Credit Mentor

Re: Will US Bank use a hard pull for more than 1 application for credit?

They won't reuse HP. Every application will be a separate HP. 

Message 6 of 7
cashorcharge
Community Leader
Super Contributor

Re: Will US Bank use a hard pull for more than 1 application for credit?


@Remedios wrote:

They won't reuse HP. Every application will be a separate HP. 


Thank you so much @Remedios 

Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.