If you apply for a checking at umbrellabank they pull a soft experian. They also will pre-qualify for all their credit products too. They dont appear to check chex. Apply for checking, get approved for loans/platinum card. All for a soft inq. ?? Kevin told me about this one
i think they only pull soft experian. If you apply for checking they use your score to apply for other stuff like car loans/credit cards . You can get approved for a bunch of stuff in one roll. Their requirements are not terribly lenient, dont expect to get a platinum card with only 650 score
Hello Christi, I think all they pull is a soft on experian when I apply a few days ago I only requested a virtually free checking account and seconds later it came back with the approve screen saying that I got the checking and the debit card and on the bottom it also approve me for a line of credit overdraft and a platinum visa $5000 at 9.9% at the time it was approve before I apply the score according to credit expert was 697... if you do apply good luck to you... good luck to everyone else....I just send in my deposit 2 days ago I will post again once I get my welcome package and cards... Kev
Ok..what if I apply for checking to get the soft inquiry, get approved for a card and then don't want the checking. Would I still get my credit card? I have a great bank and don't want to change.
Christi, If you decide to apply through the virtually free checking account and you're approved, be sure to keep us posted on it. I've been reviewing the site and I'm interested in applying as well. We only have about a 50 point spread (on EX) between our scores so if you get approved for a decent c.c. limit I just might try going for it as well.
They don't even have a link to apply for the classic or platinum cards.......only the secured. What a crock!!
I just applied -- for a soft inquiry, what the heck. Approved for the Umbrella Air Platinum $5,000, $1,000 overdraft protection. My CE score is 703.
Well I applied for the savings, because I don't need another checking account, I have 2 (one I don't use) and 2 savings. I was approved, but NOTHING else Maybe it only works if you apply for checking, but wonder why you can't just apply for the dang card online?
I just logged on to CE and checked my Experian report. Sure enough, it's a soft inquiry. This is really cool. 9.9% is the lowest APR I've ever received on a credit card. And to do it with a soft inquiry! I'm jazzed.
might be 669 is too low of a score. Other people try (its a soft inquiry) and post your approval scores pleez!!
Dave, Congrats again then Sam, If Kevin got Platinum with 697 that's only 28 points higher, I dont' think I would be totally OUT of the ballgame. I would think I should at least get a classic card, but it might not work with savings. I just sent them an email asking requirements, we'll see if they respond.
