Comments on: $100 Bonus – Hard Credit Pull and 45 Day Wait http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/ Money issues for college students and 20-somethings, without being boring. Tue, 24 Apr 2012 13:02:17 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Stephanie http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-15019 Stephanie Mon, 20 Aug 2007 22:13:08 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-15019 <b>PayingForPlaying</b>, I didn't get a checkbook, but they did send me an ATM card an several deposit slips. When you log into your account, does it list itself as the "Ultimate Savings Account" or as some type of checking account? PayingForPlaying,
I didn’t get a checkbook, but they did send me an ATM card an several deposit slips. When you log into your account, does it list itself as the “Ultimate Savings Account” or as some type of checking account?

]]> By: PayingForPlaying http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-14883 PayingForPlaying Sat, 18 Aug 2007 15:32:04 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-14883 I just opened an account. Thanks for the heads up. I do have one question though: It says they will be sending me a checkbook and card to access my account. This sounds like a checking account and not a savings account. Did they do this with you??? http://payingforplaying.blogspot.com/ I just opened an account. Thanks for the heads up.

I do have one question though:

It says they will be sending me a checkbook and card to access my account. This sounds like a checking account and not a savings account. Did they do this with you???

http://payingforplaying.blogspot.com/

]]> By: Stephanie http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13755 Stephanie Tue, 07 Aug 2007 20:17:33 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13755 <b>Nick,</b> Good catch - I hadn't bothered to click the "apply" button (since I already have the account), I was just reading the fine print on page one. I have no idea if the bonus would still credit if you continued on with that application. I guess it's a gamble - the thing to be lost really is a few points off your credit score for a short time. I guess everyone will have to evaluate for themselves if that's worth $100 or not. Nick,

Good catch – I hadn’t bothered to click the “apply” button (since I already have the account), I was just reading the fine print on page one. I have no idea if the bonus would still credit if you continued on with that application. I guess it’s a gamble – the thing to be lost really is a few points off your credit score for a short time. I guess everyone will have to evaluate for themselves if that’s worth $100 or not.

]]> By: Nick http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13745 Nick Tue, 07 Aug 2007 19:40:08 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13745 Hi Stephanie, thanks for the response. I followed the link on your post that was up last night, then click on the apply button. It gives me a notice like this: "You have entered offer code CSLN By clicking to continue the application below, you acknowledge and agree that this bonus offer is not transferable. If you did not receive the offer code listed above in a promotion directly from the United States Postal Service and Citibank you are not eligible for this bonus offer. " Thanks for the quick response! -N Hi Stephanie, thanks for the response. I followed the link on your post that was up last night, then click on the apply button. It gives me a notice like this: “You have entered offer code

CSLN

By clicking to continue the application below, you acknowledge and agree that this bonus offer is not transferable. If you did not receive the offer code listed above in a promotion directly from the United States Postal Service and Citibank you are not eligible for this bonus offer. ”

Thanks for the quick response!

-N

]]> By: Stephanie http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13743 Stephanie Tue, 07 Aug 2007 19:33:37 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13743 <b>Nick,</b> I can't find that disclaimer anywhere on the offer page - where did you see it? Also, you wouldn't lose money - this is a no fee savings account that can be opened with a one dollar deposit - the worst that could happen is you lose control of $1 for a few months. Nick,
I can’t find that disclaimer anywhere on the offer page – where did you see it? Also, you wouldn’t lose money – this is a no fee savings account that can be opened with a one dollar deposit – the worst that could happen is you lose control of $1 for a few months.

]]> By: Nick http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13738 Nick Tue, 07 Aug 2007 16:21:06 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-13738 There is a disclaimer saying that you can only sign up if you received an offer in the mail. Has anyone else seen this? I don't want to go through the trouble only to lose the money. There is a disclaimer saying that you can only sign up if you received an offer in the mail. Has anyone else seen this? I don’t want to go through the trouble only to lose the money.

]]> By: Stephanie http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-12098 Stephanie Fri, 20 Jul 2007 19:33:32 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-12098 <b>ambellamy</b>, Sorry, but it looks as though Citi got too many people signing up, and dropped the offer down to $50 now. Luck of the draw, I guess. If anyone hunts down a link offering the $100 bonus, please let me know! ambellamy,

Sorry, but it looks as though Citi got too many people signing up, and dropped the offer down to $50 now. Luck of the draw, I guess.

If anyone hunts down a link offering the $100 bonus, please let me know!

]]> By: ambellamy http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-12097 ambellamy Fri, 20 Jul 2007 18:54:09 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-12097 it says its only a $50.00 offer... got a link to the $100.00 offer? it says its only a $50.00 offer… got a link to the $100.00 offer?

]]> By: Stephanie http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-11790 Stephanie Thu, 19 Jul 2007 14:38:47 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-11790 <b>Jessie</b>, Hard and soft pulls show up on your credit report, as well as your credit score. The three different agencies (TransUnion, etc) have different names for the two categories of "credit inquires," but it's pretty easy to tell which are the hard pulls and which are the soft pulls. Because I've only seen my credit report recently, and not my credit score, I can't tell you what the mathematical difference is. However, what I do know is that from this, your score will, after a year or so, recover however much it drops. The addition of a credit card can have dramatic changes on your credit score, past the small "hard pull" drop. Jessie,

Hard and soft pulls show up on your credit report, as well as your credit score. The three different agencies (TransUnion, etc) have different names for the two categories of “credit inquires,” but it’s pretty easy to tell which are the hard pulls and which are the soft pulls.

Because I’ve only seen my credit report recently, and not my credit score, I can’t tell you what the mathematical difference is. However, what I do know is that from this, your score will, after a year or so, recover however much it drops. The addition of a credit card can have dramatic changes on your credit score, past the small “hard pull” drop.

]]> By: Jessie http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-11440 Jessie Wed, 18 Jul 2007 13:39:22 +0000 http://poorerthanyou.com/2007/07/15/100-bonus-hard-credit-pull-and-45-day-wait/#comment-11440 Thanks for the information! Just out of curiosity, how do you know that they do a hard pull? How can you tell when that will happen? I was under the impression that when you open a bank account, it's usually a soft pull. Given that this one is a hard pull, do you have any idea what the difference (on your credit score) between opening this savings account and opening a credit card with a similar offer would be? Thanks!! Thanks for the information! Just out of curiosity, how do you know that they do a hard pull? How can you tell when that will happen? I was under the impression that when you open a bank account, it’s usually a soft pull. Given that this one is a hard pull, do you have any idea what the difference (on your credit score) between opening this savings account and opening a credit card with a similar offer would be? Thanks!!

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