topic Re: Citi hard pull !! damn in Credit Cards

Citi hard pull !! damn

swpopham — Mon, 14 Jan 2013 19:55:51 GMT

I thought I would be clever and hit the luv button on citi cards website and bam.... hp and declined the cli due to not being eligable!! SOB !!! lol figured id share

Re: Citi hard pull !! damn

Anarchy — Mon, 14 Jan 2013 20:02:51 GMT

When was the last time you received an increase from them?

..and did you know your scores prior to hitting the :heart: button?

Re: Citi hard pull !! damn

pdog661 — Mon, 14 Jan 2013 20:13:51 GMT

For me Citi has always been a hard pull..... I never noticed, and have 6 HPs on my report for CLIs. Live and learn!

Re: Citi hard pull !! damn

snowkitty — Mon, 14 Jan 2013 20:15:33 GMT

Wow....good to know.....I have a gas card with them and wanted a cli soon but I don't want a hp

Re: Citi hard pull !! damn

swpopham — Mon, 14 Jan 2013 21:32:05 GMT

I just got the card and paid my first statement of 2500 in full. and my scores should be right around 700 give or take anyday of the week

Re: Citi hard pull !! damn

Happychap — Mon, 14 Jan 2013 22:10:21 GMT

I have never been lucky with a SP, they always HP me and then decline me :(

Re: Citi hard pull !! damn

FloridaState12 — Mon, 14 Jan 2013 22:14:55 GMT

Are you sure they did a HP? I requested one when my account wasn't eligible and they said they pulled EQ but never did. The letter I got stated that I was denied because my account wasn't eligible; it did not cite my credit report. I never got an alert from my monitoring service, and I pulled my monthly 3 in 1 credit report and there was no inquiry.

You may have escaped a HP. YMMV, of course.

Re: Citi hard pull !! damn

swpopham — Mon, 14 Jan 2013 23:45:01 GMT

yea im sure, ive gotten the alert from amex, usaa, equifax, my fico, mpm and credit seseme.... and took at 18 point hit on credit karma!

Re: Citi hard pull !! damn

chnceit — Wed, 16 Jan 2013 07:36:44 GMT

swpopham wrote:
I thought I would be clever and hit the luv button on citi cards website and bam.... hp and declined the cli due to not being eligable!! SOB !!! lol figured id share

WOW a true YMMV moment

Re: Citi hard pull !! damn

BearsAndTurtlesRtheBest — Wed, 16 Jan 2013 07:47:17 GMT

Hmm thats funny We have Sears MC which is issued by Citi and everytime we request CLI its a SP......

Re: Citi hard pull !! damn

rudy0720 — Wed, 16 Jan 2013 12:34:52 GMT

Citi is always a hard pull if customer requests CLI. You can ask every 6 months but it will always be a hard pull if you do

Re: Citi hard pull !! damn

jsickz32 — Wed, 16 Jan 2013 12:38:44 GMT

Not true. I just asked for a cli couple days ago and got a 1k cli and at the bottom it said "your credit report was not pulled this time".

Re: Citi hard pull !! damn

ramblin_wreck08 — Wed, 16 Jan 2013 13:37:44 GMT

Agreed. I asked for a CLI on two separate cards about 4 months ago. I was approved for both and neither of them was a HP.

Re: Citi hard pull !! damn

stone — Wed, 16 Jan 2013 13:37:54 GMT

I requested 4 CLIs for my citi dividened, forward and thankyou in the past 1.5 year. Only the first CLI is HP, all the other three is SP.

Re: Citi hard pull !! damn

BearsAndTurtlesRtheBest — Wed, 16 Jan 2013 19:14:26 GMT

@rudy0720 I can see your a CITI addict hahha looking at your Signature :smileytongue:

Re: Citi hard pull !! damn

creditnocash — Thu, 17 Jan 2013 01:52:37 GMT

jsickz32 wrote:
Not true. I just asked for a cli couple days ago and got a 1k cli and at the bottom it said "your credit report was not pulled this time".

i laughed a little at this