Re: Hypothetical Question...

snowkitty · ‎12-10-2012

If you went to a place like dell for a computer or best buy for appliances and what you needed costs say...1600.00. If you needed to apply for that stores credit card and took the hard pull but they came back and could only give you 800.00 credit could you tell them nevermind and to not open the credit account? I know the hp would be on your credit but would a card show up as open and closed in the same day?

Jutz · ‎12-10-2012

Just assume it will show up as an opened account. There's a chance you can close before it reports and it won't show up, but there's just as good a chance it will no matter what. It probably also differs CCC to CCC

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

jsickz32 · ‎12-10-2012

That happened to me with bestbuy. I wanted to buy a 2k laptop but was only approved for 400 lol.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Jutz · ‎12-10-2012

I shudder when I think about how a couple years ago I would have just maxed the credit they offered, then paid the balance in cash. SO DUMB.

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

nicholasyud · ‎12-10-2012

Same thing happen with my secured wellsfago Cc. Get them off next month by calling credit bureau.

Starting Score: 560
Current Score: ?
Goal Score: 800

Hypothetical Question...

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Hypothetical Question...