میخواستم برای 50$ capital one 360 checking درخواست بدم دیدم ضد و نقیض در مورد hard pull یا soft pull بودنش زیاده!
از خوده سایت capitol one:
What are the eligibility requirements for 360 Checking?
You must be a U.S. citizen or permanent resident with a valid Social Security number and be at least 18 years old. As part of the account opening process, we may or may not obtain information about you from a consumer reporting agency (a "hard pull"). If we do, we may or may not open 360 Checking for you based on that information.
You are not required to keep your other checking account after your 360 Checking is opened. You do not need to have another Capital One 360 account in order to apply for 360 Checking.
و یه جا دیگه:
Do you pull my credit if I apply for 360 Checking and the Overdraft Line of Credit?
Yes. As part of your application, Capital One 360 will obtain information about you from a consumer credit reporting agency to confirm that you are eligible for 360 Checking. (But don't worry, this is a "soft pull" and won't affect your credit score.)
If you choose to apply for the Overdraft Line of Credit, a credit check is required. (This is a "hard pull" and may impact your credit score.)
Keep in mind, if you choose to apply for an increase to your Overdraft Line of Credit, that would also require us to do a credit check regardless of whether or not you were approved for the feature or an increase within the same day.
طبق این آخریه اگر گزینه overdraft رو نزنی soft pull میکنن ولی تو اون قبلیه اون may قضیه رو خراب کرده در ضمن خیلی ها تو Internet در موردش شاکی بودن!
متوجه شدم freeze کردن حساب میتونه از Hard pull جلوگیری کنه و فقط اجازه soft pull رو میده به نظرتون میشه حسابو freeze کرد و بعد درخواست داد که مطمئن تر باشه؟
update: متوجه شدم در ایالت ما freeze کردن و برداشتن اون حدود 5$ fee داره که با احتساب سه تا شرکت گزارش کننده، نمی ارزه! ولی در کل سئوال به قوت خود باقیست.
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