How strange

[Gaby10]

Just updated CreditKarma, and since yesterday, I lost 3 TransRisk points and 6 Vantage points. The odd thing is that nothing changed in a negative way. Utilization didn't change by a penny, no new inquiries, nothing new reported... my scores just went down.

 

Did I change buckets or something overnight?

[Gaby10]

Wait a second! I suddenly DO have an extra inquiry! That means either Navy or ELF hit my TU, even though I didn't apply for any credit.

 

Yep, Navy hit me with a hard for no good reason. I didn't ask them for a dime. Now I'm annoyed.

Edited April 21, 2012 by Gaby10

[Gaby10]

So I call Navy. CSR #1 says there's a preapproval for a Cash Rewards card showing. I ask the limit, she says she doesn't know, so she puts me through to another dept, who proceeds to deny all knowledge of this, she says there's an auto loan but no card offer. She also says they always pull a hard for membership, but if I do want to apply for a card--even today--they will pull another hard, even though they pulled one yesterday.

 

This all makes for a very unhappy me.

[beli]

So I call Navy. CSR #1 says there's a preapproval for a Cash Rewards card showing. I ask the limit, she says she doesn't know, so she puts me through to another dept, who proceeds to deny all knowledge of this, she says there's an auto loan but no card offer. She also says they always pull a hard for membership, but if I do want to apply for a card--even today--they will pull another hard, even though they pulled one yesterday.

 

This all makes for a very unhappy me.

If you didn't apply for anything, I'd be asking in writing what their PP was.. at least it's on TU and you can B* it.. but I know it's not the principal of matter.

[Gaby10]

So I call Navy. CSR #1 says there's a preapproval for a Cash Rewards card showing. I ask the limit, she says she doesn't know, so she puts me through to another dept, who proceeds to deny all knowledge of this, she says there's an auto loan but no card offer. She also says they always pull a hard for membership, but if I do want to apply for a card--even today--they will pull another hard, even though they pulled one yesterday.

 

This all makes for a very unhappy me.

If you didn't apply for anything, I'd be asking in writing what their PP was.. at least it's on TU and you can B* it.. but I know it's not the principal of matter.

 

They said they always pull a hard for membership, although everyone here said they don't. So I thought it was harmless to apply for membership, even if I got turned down. Guess not. They softed my EQ, too... why wasn't that enough?

[BobWang]

Navy almost always pulls a hard for membership

[Gaby10]

Navy almost always pulls a hard for membership

 

I saw so many people saying they didn't get a hard pull. I wouldn't have joined otherwise. Not right now, anyway.

 

It would be nice to know if I actually do have a card offer, though. Although again, I wasn't planning on getting another card right now, since I have three new accounts in the past 3 months--one of them with Barclays, who hates new accounts opened soon after theirs.

[Duck Bills]

Navy almost always pulls a hard for membership

 

I saw so many people saying they didn't get a hard pull. I wouldn't have joined otherwise. Not right now, anyway.

 

It would be nice to know if I actually do have a card offer, though. Although again, I wasn't planning on getting another card right now, since I have three new accounts in the past 3 months--one of them with Barclays, who hates new accounts opened soon after theirs.

 

 

 

I joined last month. Hard TU and Soft EQ.

 

Applied for a CC a couple of weeks later, Hard EQ and Hard TU

[Gaby10]

Navy almost always pulls a hard for membership

 

I saw so many people saying they didn't get a hard pull. I wouldn't have joined otherwise. Not right now, anyway.

 

It would be nice to know if I actually do have a card offer, though. Although again, I wasn't planning on getting another card right now, since I have three new accounts in the past 3 months--one of them with Barclays, who hates new accounts opened soon after theirs.

 

 

 

I joined last month. Hard TU and Soft EQ.

 

Applied for a CC a couple of weeks later, Hard EQ and Hard TU

 

Ugh. And all this for an account I didn't particularly "need" right now, I just wanted to open it and build on it later when my new accounts and inquiries aged a bit. Now I'm stuck with an inquiry and will get another one if I want to apply for a card.

 

(Now watch them decide I'm not eligible after all, and close my account.)

[kayvebear]

To my knowledge Navy always pulls hards for membership. Did for me anyways. Most CU's do

[herbally]

Yeah...they pulled a hard TU on me when I joined and a hard EQ days later when I app'd for a cashRewards card. I've also read many posts from other CB'ers who experienced the same. Whoever said this DIDN'T happen was either confused or VERY lucky.

[johnnyderp]

Hard TU for joining, hard EQ for credit products. That's the norm AFAIK. They did the same with DH and with me.

 

Try logging in to your account and click on "my offers". See if there's anything interesting in the big banner.

[Gaby10]

Hard TU for joining, hard EQ for credit products. That's the norm AFAIK. They did the same with DH and with me.

 

Try logging in to your account and click on "my offers". See if there's anything interesting in the big banner.

 

I can't log in to my account. I only joined yesterday, and apparently you have to wait for a letter in the mail to get online access.

[Gaby10]

Yeah...they pulled a hard TU on me when I joined and a hard EQ days later when I app'd for a cashRewards card. I've also read many posts from other CB'ers who experienced the same. Whoever said this DIDN'T happen was either confused or VERY lucky.

 

I read some people saying they were pull-happy, and others saying they only got softed. The "only got softed" posts seemed to be later, so I thought things had changed. Also, I figured since I didn't apply for anything except membership, I'd only get softed. The last 2 CUs I joined only softed for membership.

[Link2k]

Hard TU for joining, hard EQ for credit products. That's the norm AFAIK. They did the same with DH and with me.

 

Try logging in to your account and click on "my offers". See if there's anything interesting in the big banner.

 

I can't log in to my account. I only joined yesterday, and apparently you have to wait for a letter in the mail to get online access.

 

Yep. No access online until they send the letter.

 

Navy pulled TU hard for membership and again for a CC same day. Although they did use 1 pull for 2 cards on the same day.

[Gaby10]

If I'd known this, I would have waited a few months to apply.

 

Anyway, if by chance there really is a card offer waiting for me, how long are they good for?