I had an account with Del Norte for about 3 years with no problems, and closed it when I moved out of New Mexico. After a year I decided to move back and applied to open an account with Del Norte again. After applying I found out that they did a hard credit check on me. There was no warning or indication that they would do this for a normal account (I can understand if I applied for a loan). I was told that on page 3 of 10 in the Terms and Agreements Document it states they might do a credit check. This seems extreme for just opening an account, and they should state this up front that a hard inquiry will be pulled. I try to preserve my credit score, and now I used up an inquiry when I was not trying to obtain credit. I called customer service several times, and was told that a manager would contact me. She never called. I eventually called and was able to speak to her, which is whn I recieved the explaination above.