@heirophant wrote:
Wow, I stand corrected. I just tried CapOne with Excellent and poor and it gave me the exact same options.About the Spiegel and all the other cards, World Financial Network National Bank's website http://www.wfnnb.net/ is still under construction. Gives me great faith in that company if they don't even have a functioning website in this day and age. Plus, I just don't clothes shop unless I happen to be at Fred Meyer (known by those that live in the Northwest) or Sears...you know, one stop shopping. It was pretty funny when I heard them talking about EB in the above-listed post and I thought EB Games. Eddie Bauer didn't even come to mind. I was all excited.Anyone else know of more soft-pull preapprovals?
Yikes, stay away from WFN if you can! My J.Crew card from heck is mismanaged by them, and you wouldn't believe what I have to go through to get anything to show up on my reports. I finally had to dispute balance, so that the CRA's would show that the card is being used, and then I paid it off. Now the CRA's don't show that it was paid off, so I guess I'll have to dispute balance again to get the $0 balance to show. sheesh
They claim that they report every Friday, and that the bureaus take 60 - 90 days to update (funny, not true of any other of my TL's.) Any they don't even create a statement until a charge has been lying around for 3 weeks or so. Just the weirdest site I have ever been on!
Anyway, sorry for the OT. I haven't heard of any other soft preapprovals.
OK, so I'm bored and avoiding housework, and I decided to play with the HSBC site (no, don't want one of theirs!) Anyway, it's not really clear that this is just a soft, although it does sort of look that way. But at the bottom of the first page is this:
kinda poking at the anthill, here!
Notice:So, this "access your credit profile for Pre-qual purposes and not other" --that means a soft with a -PRM prefix, right? It's really, really not a hard?
By completing the Pre-qualification Form and clicking on the Continue Application button, you are giving HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. written authorization to access your credit profile for Pre-qualification purposes and no other.
kinda poking at the anthill, here!