Does a bank inquire into your credit report when you apply for a secured credit card?

credit card apply
paristoys asked:


I don’t want an inquiry to go on my credit report if I get a secured credit card. So I am hoping that the bank that I apply at will not look up my credit report, leaving an inquiry on there.

http://1mortgagecalculator.info

4 Responses to Does a bank inquire into your credit report when you apply for a secured credit card?

  1. Dough
    July 30, 2009 at 2:42 am

    9 times out of ten they will check your credit either way.

  2. Rocky S
    August 1, 2009 at 4:12 pm

    If they ask for your social security no they will check your credit.

  3. ruaclevermind
    August 2, 2009 at 6:25 pm

    This secured card does not, and it builds your credit history:

    You can always delete inquiries just as easy as they were placed by using this pretyped letter…

    Here is a good article on building credit:

  4. teenriodoll
    August 4, 2009 at 4:44 pm

    Some still pull a credit report but some don’t. A better way to do it is to ask the credit manager at the bank ahead of time. Or open a savings account and collateralize it. Make payments on the secured loan on time with the bank, later you go back and get a secured credit card. Credit Unions are good for this type of situation.

    GOod Luck

Leave a Reply