My friend received a preapproval for this card, I recommended not applying, however he did. They pulled ALL THREE reports!!!!!!! And did not give an instant decision?? Anybody have a application status line number?? And what is with pulling all 3 reports for a HHgold card???
when I applied for the Orchard card they pulled a soft EX and a hard for EQ and I was approved but they didn't pull anything from TU. the CS # is 800-477-6000 Hope this helps. P.S. they have been very nice so far, Low Cl $750 but 0% for 6 mo and no annual fee.
I see more and more credit cards pulling all 3 reports. I figure this way they can rack up those inquiries so you cannot get another card. Smart from their point of view if you think about it. On orchard bank they pulled experian and told me to apply with around a 660. Then they pulled a hard on equifax and turned me down with a 684. Yes, a sub prime card turned down a 684. Go figure.
Recently I applied for CapOne and Advanta and they pulled All three Reports and no instant decision either!!. Btw Both denied me due to TU. I had EQ 742 Exp 730 TU About 650 or so
Geo, That's strange that Cap 1 denied you with that score. I knew that Cap 1 was under scrutiny for their lending policies. Charlie
