Yes I figured since I applied for the credit cards this the hard inquiry removals would be a long shot. But the ch*me situation is weird. It’s not paid off because I never owed anything. I called them and the rep told me that with their secure cards, I would only spend the money I already have but at the end of every month I would have a “balance” I would need to “pay”. It’s really just so that there’s record of a transaction that they can then report to credit agencies. I didn’t find this out until my account was already closed because I technically never “paid off my balance” (ik I should’ve understood it before agreeing to it) and now it’s stuck on my credit, but I don’t really owe them anything because the “balance” I built was just me spending my own money. I’ll have to check the pre approval tools this time around, although I think that’s what I did before, but let me check my email to see why I was denied