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Eric 🔗
Eric 🔗 (@guest_1850084)
May 25, 2024 12:32

 William Charles,

I just pulled all 3 of my reports. I confirmed that there was no hard pull from Blaze on any of them.

Eric 🔗
Eric 🔗 (@guest_1819926)
March 26, 2024 11:01

RJ,

How quickly after applying did you get the alert about the hard pull? I received an immediate alert from OnAlert about the Chex inquiry.

However, I didn’t get any alert about getting a hard pull. I am wondering if that is delayed.

Eric 🔗
Eric 🔗 (@guest_1821260)
March 28, 2024 08:02

ShawntheShawn👈🏾,

Thank you.

I just logged into CK and there is no pull shown on TU or EQ. I’m thinking that the reason might because they denied me almost immediately while they spoke to Ostrich Rider before denying them.

Maybe their 1st test is Chex and then they check the credit report if you pass Chex. What do you think?

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1821295)
March 28, 2024 09:07

Just wait and see.

Eric 🔗
Eric 🔗 (@guest_1821793)
March 28, 2024 19:20

What do you mean? I was asking why you think that Ostrich Rider got a hard pull and I didn’t.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1822246)
March 29, 2024 10:59

1. Just wait (longer) and see if the hard pull shows up later or it is true they did not hard pull you.

2. Just wait (longer) and see if there are any other DPs (similar or different) before making guesses or inferences.

Eric 🔗
Eric 🔗 (@guest_1819922)
March 26, 2024 10:57

 William Charles,

The credit card funding allowed is now $250, not $500.

Eric 🔗
Eric 🔗 (@guest_1819920)
March 26, 2024 10:56

 William Charles,

I don’t think that the below line that you have in the post is correct. The terms of the offer show “Offer valid to persons with no prior checking relationship with SPIRE, Hiway or Blaze Credit Union in the last 12 months.

You won’t be eligible if you’ve had an account with either in the past.”

Eric 🔗
Eric 🔗 (@guest_1819917)
March 26, 2024 10:55

I applied for an account this morning and within minutes I received an email that I was declined for “number [of] financial inquiries”.

My stats were pretty similar to slowbrake so they might have become more Chex sensitive in the past couple of months.

SlickdealsJonny
SlickdealsJonny (@guest_1812518)
March 12, 2024 12:27

DENIED via EMAIL for too many recent financial inquirees

Eric 🔗
Eric 🔗 (@guest_1818971)
March 23, 2024 20:02

SlickdealsJonny,

What were your Chex stats before applying?

SlickdealsJonny
SlickdealsJonny (@guest_1818982)
March 23, 2024 20:09

I don’t know my stats. But I’ve had a lot of new banks opened ( at least 6 in last couple months )

Howard
Howard (@guest_1812287)
March 11, 2024 23:22

3/11/2024 – Denied OOS, chex, at least 12/20.

Eric 🔗
Eric 🔗 (@guest_1812365)
March 12, 2024 05:51

Is that supposed to be 12 in 20 months or 20 in 12 months?

Eric 🔗
Eric 🔗 (@guest_1818972)
March 23, 2024 20:02

Howard,

I’m tagging you in case you didn’t see my reply.

Howard
Howard (@guest_1819036)
March 23, 2024 23:21

Right it should’ve been 20/12, 20 in 12 months. and maybe 20/3 too.

Eric 🔗
Eric 🔗 (@guest_1819067)
March 24, 2024 06:09

I have a feeling that the 20/3 is what did you in.

Charles
Charles (@guest_1796736)
February 12, 2024 13:21

Received an email within an hour of applying. Denied due to recent number of inquiries.

Eric 🔗
Eric 🔗 (@guest_1818973)
March 23, 2024 20:02

Charles,

What were your Chex stats before applying?

Charles
Charles (@guest_1818981)
March 23, 2024 20:07

Not sure on number but I would say very high.

amtrakrailfan
amtrakrailfan (@guest_1795932)
February 9, 2024 23:09

The debit card still says spire credit union on it.

slowbrake
slowbrake (@guest_1794241)
February 7, 2024 09:20

Bonus posted the day I opened the account. Not sure why.

OOS
Was asked “You have a number of recent financial inquiries. What is the reason for those inquiries?” – I told them I was looking for a CU with a good UI and high transfer limits.

Eric 🔗
Eric 🔗 (@guest_1794269)
February 7, 2024 10:10

Ostrich Rider,

What did you say in your response to that question? It seems that they liked the answer that slowbrake gave.

Ostrich Rider
Ostrich Rider (@guest_1794320)
February 7, 2024 11:47

Shopping for good rates on CDs, IRA, Checking and Savings accounts.

Eric 🔗
Eric 🔗 (@guest_1794488)
February 7, 2024 16:20

That sounds fine to me. I guess slowbrake just got a sympathetic rep and you didn’t.

Eric 🔗
Eric 🔗 (@guest_1818979)
March 23, 2024 20:05

slowbrake,

What were your Chex stats before applying? Did they end up taking back the bonus since it seems to have posted in error?

slowbrake
slowbrake (@guest_1819073)
March 24, 2024 08:56

Chex is kinda full. 2/1mo, ~15/6mo, ~25/1yr

The bonus is still there. I’ve got until July to close without the early fee. I won’t risk that because it’s free to keep open, I’ve transferred it out though – just a few dollars left.

Eric 🔗
Eric 🔗 (@guest_1818985)
March 23, 2024 20:21

slowbrake,

I hadn’t looked over the bonus terms until now. It seems that you missed the part where it shows “Open a Blaze Free Checking account and get $150 immediately!”

I hope for your sake that you still met the requirements as it also shows “To keep it, set up an Automatic Payment or Direct Deposit and make a total of six Blaze debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened.”

slowbrake
slowbrake (@guest_1819074)
March 24, 2024 08:57

Thank you for that.

Thats a sure way for the bank to make enemies, hurts a lot more to have something taken than to not get it in the first place.

I did the requirements, just sitting on it now.