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New inquiry is possible even when a card was instantly approved ?

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New inquiry is possible even when a card was instantly approved ?

I decided to expand my line with my credit card and automatically Gap was approved , but then I got an alert on my email with a new inquiry . I called the bank and was told that it had been approved and had no more open applications with them. It is normal for this to happen ?
4 REPLIES 4
Regular Contributor

Re: New inquiry is possible even when a card was instantly approved ?

Well yeah, when you applied they did an inquiry.  Then they approved you instantly based on what the inquiry showed them.

Starting score 3/31/15 CK 552/572. Current score 6/23/19 CK 737/737.
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Message 2 of 5
Valued Contributor

Re: New inquiry is possible even when a card was instantly approved ?

Yes this is the normal process of applying for credit.  All my applications has resulted in HP, either the same day or the next.  When one apply for credit he/she should automatically expect it to be a HP.  However, there is one exception the SCT, with Comenity.  

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Message 3 of 5
Frequent Contributor

Re: New inquiry is possible even when a card was instantly approved ?

Their computer checked your credit. That's how it decided on whether to approve you or not and what your terms would be. 

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Message 4 of 5
Senior Contributor

Re: New inquiry is possible even when a card was instantly approved ?


@Yaidyr22 wrote:
New inquiry is possible even when a card was instantly approved ?

An instant approval doesn't mean that your credit was not pulled.  You should expect inquiries when applying for new credit.

Message 5 of 5
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