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Valued Member
Financial_Reinvention
Posts: 44
Registered: ‎04-08-2009
0

Are Best Buy Store Card CLI still soft?

A few months ago I mashed the love button and got an increase to $3200.  However, I haven't always had to wait a full 6 months.  I think the latest one I waited maybe 5?  Anyway, I thought I might press my luck and hit it again here a few months later and before clicking continue it asks for my annual income.  Is this because they've changed their CLI procedures?  Could it be a hard inquiry now?

 

Thanks

May 2009: Transunion - 652 Equifax - 680

June 2009: Transunion - 697 Equifax - 715
Valued Contributor
ngerasimatos
Posts: 1,278
Registered: ‎06-01-2007
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Re: Are Best Buy Store Card CLI still soft?

is this the HSBC card or the other card?

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Valued Member
Financial_Reinvention
Posts: 44
Registered: ‎04-08-2009
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Re: Are Best Buy Store Card CLI still soft?

The HSBC store card.  Not the mastercard.

May 2009: Transunion - 652 Equifax - 680

June 2009: Transunion - 697 Equifax - 715
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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Are Best Buy Store Card CLI still soft?

fwiw, mine were always soft. But you never know --things change.

 

My guess is that if you've treated them right, and it's time to request a CLI, go for it. If you've had problems with them, or if it's not time yet, hunker down and wait it out.

 

There are few things in credit land that can't wait another month or two.  :smileywink:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Member
Financial_Reinvention
Posts: 44
Registered: ‎04-08-2009
0

Re: Are Best Buy Store Card CLI still soft?

We're on very good terms with one another, I feel.  I went and and tried and got the denial response.  No biggie, the letter will just say you have not waited 6 months blah blah blah.

 

 

May 2009: Transunion - 652 Equifax - 680

June 2009: Transunion - 697 Equifax - 715
Frequent Contributor
crosbyk1
Posts: 485
Registered: ‎02-17-2008
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Re: Are Best Buy Store Card CLI still soft?

I also got the denial on line. Then called and got a instant approval over the phone for the cli.


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stoopidmunkee
Posts: 207
Registered: ‎01-28-2009
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Re: Are Best Buy Store Card CLI still soft?

 


ngerasimatos wrote:

is this the HSBC card or the other card?


Both the Store card and the mastercard are done by HSBC....some of the Store cards go through chase now.

 

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