Capitol One sent me their 4.9% fixed (purchases and balance transfers) offer and since I will need to carry a balance this seem too good to pass up. Well, I got the 7 to 10 days message which is fine, but I am more concerned with the fact that they pulled hards on both Experian and Equifax (I don't have monitoring that covers TU so I don't know if they pulled a hard there). For informational purposes, the inquiry (the only one in the last 12 months) dinged my FAKO score 753 to 743. The inquiry (5th in last 12 months) on Equifax didn't affect my FAKO score there (709 before and after).
They may have pulled all 3... if this is common for them, I guess I should have read up on them more here first. Oh well, 4.9% fixed will be worth it (assuming I am approved).
That gives me such a warm and fuzzy about starting a relationship with them. I've dodged a bullet with Providian (I've had a perfect relationship with them), so maybe I'm due for a fun one.
