Well, when I spoke to the rep over the phone , she was very polite and explained that for opening an account that they no longer do hard pulls. At that point I told her over the phone that I’d like to open up a savings account. She took all my information over the phone (including my SSN) and ask me a few generic questions that they usually do whenever you open a bank account etc . About 10 min later, she gave me my account number and I was open to register my account online and via the app. She took a credit card payment over the phone for $5 to make the initial deposit.
Look I get it, it’s annoying to have a hard pull especially when not asking for any type of credit but these guys are right , unless you’re applying for a mortgage it’s really not going to matter .
I’ve been anal too with my credit but there’s a reason guys like me and you have credit scores over 800 — we actively monitor our credit…
Like the other member said, wait 60 days and you should be able to generate a certificate/coupon to apply towards a new car.