Honestly, Im sorta chicken to apply for the store card after reading all the comments about it... Im not sure I'll qualify and don't want to blow an inquiry on a denial. If you're denied a store card does it automatically consider you for a MC? Ive read all the posts, but haven't really found any specific comments about whether or not it automatically considers you for a MC.
IME the answer would be no. I app for the regular store card in August & was denied. I filled out a separate app for the RZ MC & was approved for $510 with $59 AF. (which I now wish I hadn't taken as I have other CC w/no AF) It was 2 different hard pulls on my EQ report & they will not take one of them off.
in my case yes, i was counter-offered the MC.
Last Saturday, I went to Reward Zone pre-appoval link to apply for the card and I got pre-approval for Reward Zone Platinum MC. I went ahead to apply for the card and I got instantly approved for $6000. They pulled EQ. My EQ score was 745 as of Nov. Over a year ago, I applied for the card and I got approved for Gold MC with $59 AF. They offered me $450CL with $29AF. I denied their offer and closed without activating the card.
So using the link you provided, they will not perform a hard pull?
I tried it out just for fun and got this message:
Congratulations! The information you provided us
has pre-qualified you for the following credit card offer(s).
There was a button to "apply for this card" (which I didn't press) below it so I'm pretty sure it doesn't do a hard pull until you press that button. Just like the Orchard Bank website does, I believe. I was pre-qualified for a Platinum card, FWIW, in case anyone was wondering.
have u applied for the platinum card?
Ohkay, I applied and was approved for the secured Reward Zone MC. I called HSBC, and they told me I still get the rewards, and my card will graduate! I don't want to pay the AF though. I think I might just get the Orhcard Secured with the first year AF waived, and then apply for the Reward Zone card in December 2010. I'm not sure which card to get, and I never carry a balance.
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To those looking yes the first part is a soft pull. Then it will go to an offer screen. It may give you offers and it may give you something like no offers available as one poster above had. This is all soft. You then select the product you wish to apply for and hit submit and that generates the hard pull for final approval/decline mode and credit limit setting. My app showed the 10-14 day message for three days before my approval showed. So if you get that after apping keep checking.
For the poster that got the platinum no annual fee offer that is the best Reward Zone MC offer you can get. The only thing better is the store card.
THe 4 levels are :
Platinum No Annual Fee
Gold No Annual Fee
Gold w/ Annual Fee and higher interest
So the platinum is your best.
which one u got approved for?