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Goldman Sachs GM Mastercard


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Has anyone applied for the GS GM Mastercard, got the soft pull preapproval, accepted the offer and then immediately locked their credit report?

 

This was a trick done when the GS Apple Card came out as the hard pull was usually at least an hour after the preapproval was completed and if you locked your credit report immediately after the acceptance of the card, there was never a hard pull but everything went through anyway.

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  • 2 weeks later...

I got the answer.  They do the soft pull just like the Apple Card.  I was approved but had to upload my drivers license.  I locked my reports as soon as I was approved.  Works just like the Apple Card.  No hard inquiry on my reports.

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On 3/17/2022 at 3:51 AM, direct said:

I got the answer.  They do the soft pull just like the Apple Card.  I was approved but had to upload my drivers license.  I locked my reports as soon as I was approved.  Works just like the Apple Card.  No hard inquiry on my reports.

how does the limit compare to your apple card?

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I applied for the business version and the limit was about 65% of my personal apple card.  I figured I would use it for a while and then request a higher limit.  Business limits for me are usually substantially higher than my personal cards.  Not sure if GS is more risk adverse or something else.

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