Originally Posted by
italdesign
BTW,
I was rejected without a hard pull. This would mean they rejected me before even considering util ratio, FICO, etc, right? From this I can only conclude the rejection was based on their detection of my existing card #1 but had nothing to do with my credit profile.
When they tell you they didnt do a hard pull is sometimes BS. My wife was denied for the card and called in for recon. Said can't give her another card as she still had one open ( still waiting for one yr bonus). Told her no pulls were done. She checked and YES, a pull was done.
