After a recent spree, I froze my reports.
If I were to seek a second card with an issuer with which I have an existing relationship, will I need to unfreeze?
(My understanding is that, because of the existing relationship, they can get the information. Or does the freeze prevent the lodging of an INQ, regardless of the existing relationship?)
Best to unfreeze if you're actually serious about wanting the card. Most will do another HP. I know of only one that SPs for new cards from time to time.
American Express soft pulled several of my newer card apps after having only one card with them.
Oh and there are two IME, the other is Penfed. You have to have a SP pre-approval in your account though.
Discover has a pretty solid SP pre-approval. It's not based on a relationship though. They still need access to the CB in order to give the pre-approval.
Oh and there are two IME, the other is Penfed. You have to have a SP pre-approval in your account though.
Discover has a pretty solid SP pre-approval. It's not based on a relationship though. They still need access to the CB in order to give the pre-approval.
When I requested a CLI online for the cards in my sig, I got the dreaded "We will let you know in 7-10 business days".
I was scratching my head, until the next day when i remembered about my freeze. So I unfroze and tried again, with instant approvals on all three cards.
So a pre-existing relationship is def not a guarantee to bypass a freeze if they need to do a pull.
