Credit Cards Center Credit cards from our partners
Posts: 115
Registered: ‎05-10-2010


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.

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011


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.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011


Its as simple as freezing your reports. If you go in with the understanding on both parties that it is a SP for the CLI the worst thing that can happen is they will tell you to unfreeze your file. If you still want it for a HP you can unfreeze. They can still access your file If they are going to SP for CLI.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,864
Registered: ‎09-20-2011


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. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.