Update on SP VS Card Pre Approval !!!

[Anonymous]

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@Anonymous wrote:
I have the VS and Express cards...both were SPs after being pre approved.

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very good to know. thanks!

[halos24]

Just checked my EQ and looks like they only have done a soft inquiry on my EQ:

Company Information: PRM ONL-WFNNB/VICTORIA'S SEC

Date of Inquiry: 03/15/12

[haulingthescoreup]

Congrats!

Just a comment for those learning for the first time about this feature of WFNNB cards:

If you get an additional card this way, you won't (shouldn't, anyway) get a hard inq. It will however show up as a new account, so there is the potential score effect from lowered AAoA and presence of a new account.

Contrast this with adding an additional AmEx card, where you will get a hard inq, but it won't show as a new account due to the backdating, and the effect on your AAoA will be less, or even beneficial, depending on the date on your earliest AmEx card vs your AAoA.

Confusing, no?

[Anonymous]

i just called in and the lady said she had no info regarding their desion ....i guess stil waiting for me.

[Anonymous]

Just FYI - they SP'd my EQ - not EX. I'm actually happy about that lol

[LS2982]

Congrats OP!!!

[frogfan12]

Congrats on finally getting approved! I went through the site and got pre-approved for $750. Hmmm...

[Anonymous]

I'm a little confused. I thought this pull on my EQ was a SP but my score watch today told me it caused my FICO to drop 3 pts. I'm not really worried about it dropping 3 little points since it's not that great of a score right now anyway, but why would it affect my score if it's a SP?

[halos24]

I am assuming because of the new account?

[Anonymous]

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@halos24 wrote:
I am assuming because of the new account?

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The reason said for the inquiry. Does that mean it wasn't a soft pull?  I don't know if I got the account or not. Haven't heard yet.

ETA: I just looked at my USAA CMS and it was a hard pull. Maybe they did that because my score was below 600? Who knows.