Does anyone know?

[mrlimo]

Does anyone have any of these cards? Who backs travelocity and pay pal cards? Do any of these cards do a soft pull or use internal information when requesting a CLI?

Travelocity Visa

Orchard Bank Visa

Hsbc master card

Paypal comsumer credit.

 Trying to find out more information for someone in bringing down her overall UTIL by getting a CLI without getting a hard inq against the CRA's.

Thanks in advance for any information you can contribute.

[Anonymous]

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mrlimo wrote:

Does anyone have any of these cards? Who backs travelocity and pay pal cards? Do any of these cards do a soft pull or use internal information when requesting a CLI?

Travelocity Visa  Juniper

Orchard Bank Visa  HSBC

Hsbc master card   HSBC

Paypal comsumer credit. GEMB

 Trying to find out more information for someone in bringing down her overall UTIL by getting a CLI without getting a hard inq against the CRA's.

Thanks in advance for any information you can contribute.

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Most do a soft, but as always, you should expect to take a hard since you are actually requesting more credit. HSBC always tells me they will have to pull a report but they always soft me. GEMB has been soft, and not sure on Juny.

[Anonymous]

I have the Trav MC.  There was no option to do a consumer initiated CLI, but I rec'd one w/ a soft pull when my card hit the 1 year mark.  They took me from 2k to 3k.

HTH

[Anonymous]

HSBC did a hard inq for my first card w/ them and just soft for the second. I'd beware of orchard-all the cards I saw them offer had hefty fees and high int. rates. I don't know any card worth $250 in fees!

[Anonymous]

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KYgirl wrote:

HSBC did a hard inq for my first card w/ them and just soft for the second. I'd beware of orchard-all the cards I saw them offer had hefty fees and high int. rates. I don't know any card worth $250 in fees!

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HSBC has some prime cards believe it or not.

[Anonymous]

I have an HSBC MC w/ a 6k limit.  It started at 1.5k about 5 years ago.  All of my CLIs were softs and all but one were automatic.

HSBC -- the one I can't let loose!