KeyBank Mastercard No Hard Pull!!!

[Anonymous]

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@mxp114 wrote:

What info do they get from a soft? Never knew the difference.

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Softs shows general information that COULD generate an approval - address, date of birth, number of trade lines, utilization distribution, and whether there are negatives or not. However, it won't show specific limits, specific negatives on one's report, etc. Just a basic idea.

Hards show everything.

[insidious28]

No baddies on my report. 

[KIPPIE12]

I would think it could be possible for the hard pull to show up in a day or two.

[Anonymous]

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@KIPPIE12 wrote:

I would think it could be possible for the hard pull to show up in a day or two.

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Depends on what they pulled.

EX and EQ are instant. TU usually has a weird delay. My bank doesn't use them primarily, so I don't have much hands on experience with them.

[JusdoNit]

Hi, Did  a hard pull for Key Bank ever show up?

[insidious28]

I was looking at all my credit reporst and nope ho hard pull from Key Bank.  That is weird cause once I got my card they had my experian Fico of 729 and other stuff stating what was hurting my credit score.  I think they all state what's hurting your credit score though.

[Ron1]

I just applied for the card and it didn't get instantly approved. I will hear it within 7 to 10 business days. It showed up immediately on my Experian as hard inquiry. Don't worry about it. I wanted the card anyway. 

Ron.

[CS800]

The only place i have seen Key Bank is in portland maine.

[Anonymous]

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@CS800 wrote:

The only place i have seen Key Bank is in portland maine.

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They're prominent here in central Indiana.

[insidious28]

Ron1,

I wouldn't worry about it cause I think Key is backed by Elan Financial Services cause I got the same message.  I think they have to forward your application to Elan Financial Services to get approved.  2 weeks after my application I got an alert from Experian about a new account added to my report.  I checked it and it was Elan Financial Services with a limit of 7000.00 and a week after that I had my card in the mail.  So I would expect the same for you.  Elan is very generous with their starting credit lines.  After 6 months I will be asking for double my credit line.  We'll see what happens  By the way are they still offering 0% APR on purchases and BT for 6 months? Cause that's what I got.