Total Rewards Visa

[Howaboutthat]

Today I joined total rewards and went to the TR Visa page, I looked at the info and noticed an opt out with 3 apr rates. I looked at the app and they want my full SS# not just the last four. My Eq score is 661. My question is should I go for it knowing it may pre-approved (opt out) but will definitely be a hard pull.

[FinStar]

If you have a need for the card based on the benefits and are ok with the HP and new account, that's more or less up to you OP

[mikesonthemend]

If it is one of your goal cards and your INQs are low, go for it. A decline will steel your resolve to fix what they think is wrong. If you have several goal cards you want and are on a trajectory to get there, wait for pre-approvals.

My two cents.

Good luck!

[Howaboutthat]

Thanks for the replies, I was just padding for utilization. I’m going to back off.