stop chrome from asking to save credit cards

So, most card issuers won’t give you those new customer sign-up bonuses. If your goal is to simplify paperwork or switch cards without a hard credit check, ask exactly which of the issuer’s cards (if any) will qualify.

Some card issuers will let you switch cards within the same card family without an application or credit check.īut if you want to change into or out of one of the issuer’s co-branded cards, or if you decide to change card families, then you might need to submit an application and undergo a credit check, just as if you’d never been a customer. Are there different rules for different cards? But if anyone wants to do a “hard” credit check, they have to first notify you so that you can “unfreeze” your credit report. It won’t stop existing creditors from doing “soft” credit checks. Tip: You can also pre-emptively freeze your credit before you switch cards, says John Breyault, vice president of public policy, telecommunications and fraud for the National Consumers League. Because, depending on your score, a couple of points could mean the difference in hundreds or thousands over the life of your loan. It’s also smart to skip switching cards if you’re less than a year away from a big purchase, like a house or a car. When you inquire with your issuer about changing cards, ask for someone “closer to the underwriting process” to make sure that person knows the answer, such as a senior account representative, McClary advises. “Because I was looking to change my credit limit,” says McClary, who is also the vice president of public relations for the National Foundation for Credit Counseling. It didn’t come as a surprise for Bruce McClary when he switched cards and the issuer pulled his credit. Others will do a soft check, which won’t affect your score.īut with some card switches (and some issuers), there will be a “hard” credit check. If you select a different card from your current card issuer, some companies won’t check your credit at all. One big advantage to staying with the same issuer: The company might not do a “hard” credit check. How could the swap affect my utilization ratios?.How will the old and new cards be reported to the credit bureaus?.Will I be eligible for a sign-up bonus?.Are there different rules for different cards?.8 questions to ask before switching cards

Stop chrome from asking to save credit cards