03-24-2013 07:43 AM
3 year customer with Macys both store card and now American Express, first time requesting credit limit increase told them i wanted "soft pull" the lady said "i will let you know before we proceed" well i was given CLI on both cards but BAM was hard pull on Experian. Im happy but angry if that makes sense.
03-24-2013 07:49 AM
Yea sure it makes sense! I did the same process as you for a CLI for the store card and I told the CSR that if she had to do an HP to stop the process. I wound up getting the increase. However if I found out later that an HP showed up anyway I would be pissed! There is no excuse for someone in the credit department not knowing the difference between a soft and hard as well as not knowing how the system that their company uses works.
That's why I use the chat function whenever possible for my CC's so that I can have written proof. If I were you I would call back and speak with a high level manager to get that removed.
03-24-2013 08:00 AM
03-24-2013 10:34 AM
Anytime you call for a CLI assume you will be getting a hard pull and be pleasantly surprised when you don't. Front line CSR's rarely know the difference between a HP and SP. If you get a HP there isn't really anything you can do as they have the authority to do one regardless.