cancel
Showing results for 
Search instead for 
Did you mean: 

HP after approval?

tag
emily15
Regular Contributor

HP after approval?

hi all,

I tried the "see if you're preapproved" for the Kohl's Capital One Visa yesterday (4/10) and it said yes so I applied. they did a HP on TU and approved me. 
this afternoon I got another alert that capital one had pulled EX and thought at first maybe I was just getting notified late. Nope, the inquiry date is definitely 4/11. 

is that normal? I've never had something like that happen before. I froze everything just in case .. 

6 REPLIES 6
Varsity_Lu
Valued Contributor

Re: HP after approval?

Only two hard pulls for a Capital One card? It's your lucky day! Most people get three! 

 

Seriously though, every Cap One card my wife and I have ever gotten (4 total) had instant hard pulls as soon as we applied. There was never a delay.  Is it possible the pull happened when you applied and the email notification was just delayed?

Blue Cash PreferredBlue Cash EverydaySavorMore RewardsVoice Rewards + Perks CheckingFidelity Rewards VisaMax Cash PreferredAAA Travel AdvantageCashRewardsHilton Honors
Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Message 2 of 7
Varsity_Lu
Valued Contributor

Re: HP after approval?

Also, I have found that some reported pull dates are incorrect. I've had two instances where the pull date is listed a day earlier than when I applied. Weird.

Blue Cash PreferredBlue Cash EverydaySavorMore RewardsVoice Rewards + Perks CheckingFidelity Rewards VisaMax Cash PreferredAAA Travel AdvantageCashRewardsHilton Honors
Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Message 3 of 7
GZG
Senior Contributor

Re: HP after approval?


@emily15 wrote:

hi all,

I tried the "see if you're preapproved" for the Kohl's Capital One Visa yesterday (4/10) and it said yes so I applied. they did a HP on TU and approved me. 
this afternoon I got another alert that capital one had pulled EX and thought at first maybe I was just getting notified late. Nope, the inquiry date is definitely 4/11. 

is that normal? I've never had something like that happen before. I froze everything just in case .. 


cap1 cards typically pull all 3, did they pull you through a credit freeze? or did you just get the notification later on that ex had already been pulled

Starting FICO 8:
Current FICO 8:



Message 4 of 7
emily15
Regular Contributor

Re: HP after approval?

That makes sense

and no, EQ was frozen the whole time. 

thanks all! I'm sure it was just maybe a delay in the notification, reporting date is still weird but I'm not going to worry about it. 

Message 5 of 7
CreditMagic7
Mega Contributor

Re: HP after approval?

Congrats on your Kohls Approval!

Message 6 of 7
chamathkari
New Contributor

Re: HP after approval?

Congratulations on your approval! 








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