Is it possible to get a new card with just a soft pull ?

[workingprogress]

Hey thanks for the reply.. I may give this one a shot. Are you a member there and was it quick and easy to become a member ? What bureau do they like to pull ?

[Bone35]

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@workingprogress wrote:

Hey thanks for the reply.. I may give this one a shot. Are you a member there and was it quick and easy to become a member ? What bureau do they like to pull ?

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DW is a member...SP EX for membership and CC. 

CC isnt that easy to get...Scores should be solid before trying. Membership was a bit of a pain...DL, utility bill etc..

[Anonymous]

Its a see saw. If you have a great score your inquiry number virtually ignored by many lenders. If inquiries is your denial reason, its a legit reason only because of many other factors lowering your score.

Those SP credit unions are great tho, but also a good idea to plan for the worst (hp) and see who they pull, using stragedy to apply for ones who use a bureau you look the best with. The other downside is they are dog slow, which some people hate to deal with. If you have a grip of inquriesyou probably have been pursuing instant gratification… who me?

[SouthJamaica]

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@Bone35 wrote:

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@workingprogress wrote:

Is it possible to get a new credit card now days and not take a hard pull? I'm guessing probably not but figured I would ask.

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Dont forget NASA CU.... It is possible to get membership and CC via SP only..As Always YMMV

Dont apply for the CC without membership first, this will always end up being a HP from what I've read.

Hope this helps!

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+1

That's the only one I know of, NASA federal credit union.

[SouthJamaica]

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@workingprogress wrote:

Hey thanks for the reply.. I may give this one a shot. Are you a member there and was it quick and easy to become a member ? What bureau do they like to pull ?

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For me it was very quick and easy and free to become a member.

But I got turned down for the credit card