@4yearsin wrote:If i already have a savings account does opening a free checking cause a HP?
Or if for wife, I open a new saving and checking account,
@CountryLivin wrote:
@4yearsin wrote:Is the UW for the gold and reward signature alot diffrent?
Im wanting two cards, 0% card for last mintue things and rewards card.
I was gonna go with Discover card for the 0% and rewards but since ive had a $5 saving
account with Penfed for over 10+ years, i thought i might have a better success with them.
Is the Gold the easier one and does the rewards card start at 5kcl since signature?
Can I appy for both cards with one pull?
Also want a SSL Loan, does penfed let you prepay to 8% and leave it there?
Can I apply for 2 cc and SSL with just one pull
since ive had a $5 saving account for a long time with them?
Thanks for the Input everyone
They usually do a pull for everything. I've been with them for 15 years. I had a checking and a savings only.....applied for account overdraft protection account, credit card and a personal loan all on the same day.....got 3 inquiries. I was approved for all 3.
is it a HP or do they just check chexsystem and maybe sp?
Just want to confirm before i open account.
In my experience, it is just a SP for opening membership with a savings and to open a checking account.
I opened a savings account, premium savings account, and access America checking with no hard pulls for anything. This was all in the past year. I think they used to do HP but I don't believe that's the case anymore.
I also don't think they use chexsystems, because I have a fraud alert from BoA on mine which many other banks would not let me get an account, but PenFed would.
Any credit related products, overdraft protection - all of those will be a HP. Not sure if they reuse HP, but I wouldn't count on it. I am unsure of UW differences. I think their similar.. maybe someone else can chime in on that.
Starting Score: 580s
I don't know that you could get *all 3* of those things with one HP. Expect at least 2 HPs. For the CCs, you *may* be able to double dip and get two apps in on one HP. As for whether they'd actually approve both, well, that's profile-dependent.
As far as UW, I believe they have similar standards. The card with more stringent standards is the Pathfinder.
