@wajj wrote:
@creditwherecreditisdue wrote:
Is the membership EX hard pull good for an app or do you get harded again when you app?, and
Following txjohn's example, I managed to get my eligibility set up and joined. Got a hard pull on EX for the membership. Once I finally received my membeship documents (took about 10 days), I applied for a Visa (and was approved for $10K). That was a second hard pull. I'm waiting to receive and activate the card before I decide if I want to go for a PSL on top of it -- my EX report is pretty much destroyed (15 INQs, 13 in the last 6 months, and 12 new accounts all under 6 months old). If they will use the same pull, great. If not, then we'll see.
With that many inq's, what's one more gonna hurt? LOL. You might as well get that inq (if you have to take the hit) aging along side the other. But that's just MO 
The fact that they approved you for $10k with that many inq's and new accounts just goes to support my theory that PSECU is generous and lenient when it comes to credit.
@wajj wrote:
@creditwherecreditisdue wrote:
Is the membership EX hard pull good for an app or do you get harded again when you app?, and
Following txjohn's example, I managed to get my eligibility set up and joined. Got a hard pull on EX for the membership. Once I finally received my membeship documents (took about 10 days), I applied for a Visa (and was approved for $10K). That was a second hard pull. I'm waiting to receive and activate the card before I decide if I want to go for a PSL on top of it -- my EX report is pretty much destroyed (15 INQs, 13 in the last 6 months, and 12 new accounts all under 6 months old). If they will use the same pull, great. If not, then we'll see.
What are your EFX and TU scores like? Do they have a lot fewer inquiries than EXP? I'm just wondering to get an idea of what your EXP score may be like, with the new accounts and inquiries.
And I agree - one more inquiry won't hurt at this point...at least they'll all fall off around the same time!
Starting Score: 670 EQ and 674 TU
@Anonymous wrote:
@wajj wrote:
@creditwherecreditisdue wrote:
Is the membership EX hard pull good for an app or do you get harded again when you app?, and
Following txjohn's example, I managed to get my eligibility set up and joined. Got a hard pull on EX for the membership. Once I finally received my membeship documents (took about 10 days), I applied for a Visa (and was approved for $10K). That was a second hard pull. I'm waiting to receive and activate the card before I decide if I want to go for a PSL on top of it -- my EX report is pretty much destroyed (15 INQs, 13 in the last 6 months, and 12 new accounts all under 6 months old). If they will use the same pull, great. If not, then we'll see.
With that many inq's, what's one more gonna hurt? LOL. You might as well get that inq (if you have to take the hit) aging along side the other. But that's just MO
The fact that they approved you for $10k with that many inq's and new accounts just goes to support my theory that PSECU is generous and lenient when it comes to credit.
I would agree.
txjohn - Did you see my question regarding whether you had received a post membership pre-app from them for a CC? I though you had, or maybe there is too much floride in the water down here. Also, how many hard INQ's have you gotten from them and when? I am trying to manage my EX INQ's carefully - they are low enough that it does matter. (3 showing, 1 counts)
wajj - What was your EX FICO at the time of your CC app?
Also, does PSECU do a ChexSystems check? I looked at my report before applying for Alliant and it's all clear, but I was thinking of adding DH on to the account, and was wondering if I should wait for him to get his report before applying...his should be clear but you never know.