No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hey Brutal, did you end up applying? Care to share your data?
I have applied to quite a few cards this year.
AMEX pulled EX for charge and credit, whether co-branded or straight from AMEX.
Capital One always pulls all 3 (even if you apply to OD credit line for checking account).
Citi AAdvantage pulled EX
Chase SW RR pulled EX
Discover student loan pulled all 3.
Sallie student loan pulled TU
US Dept Edu pulled TU
Also to add to the fun is that even divisions of the same lender may pull different reports.
For example:
Citi Retail (Home Depot, Brooks Brothers, Best Buy) have pulled EQ in my experience.
Any other legacy Citi card has always pulled EX.
Apart from the sample size (on credit pull database, whogavemecredit and threads here) being small, it is also biased and potentially inaccurate! I think it's reasonable to assume that most people who enter such data are credit card junkies, and as such probably have a lot more inqs, new accounts etc than the average person who applies for the card. So if an issuer is particularly sensitive to inqs, for example, people may get the card with a lower score than suggested here.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
I apped for 4 cards and all 4 pulled exactly what I expected them to:
Lowe's - TU
Amex - EX
Discover - EQ
Blispay - EX
Again, I'm in upstate NY for anyone that cares. I had no inquiries prior to this "spree" so I'm glad that I only ended up with 2 on EX and 1 on TU and EQ. Only the Lowe's account was added to my reports so far; nothing else has been reported. My scores have actually gone up 2-3 points on average after this app spree; I did not see any reduction at all from the inquiries.