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Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
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Best Buy CLI Question

Is it soft or hard?




Member
Posts: 6
Registered: ‎08-25-2007
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Re: Best Buy CLI Question


CS800 wrote:

Is it soft or hard?


always a soft pull....I have had 4 CLI's in the past 2 years(and one denial), and soft every time.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Best Buy CLI Question


scott46401 wrote:

CS800 wrote:

Is it soft or hard?


always a soft pull....I have had 4 CLI's in the past 2 years(and one denial), and soft every time.


Ive tried twice and denied but soft pulls.




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
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
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Re: Best Buy CLI Question


LS2982 wrote:

scott46401 wrote:

CS800 wrote:

Is it soft or hard?


always a soft pull....I have had 4 CLI's in the past 2 years(and one denial), and soft every time.


Ive tried twice and denied but soft pulls.


I have always requested and always denied in the pas t 3 years. I called this morning and the agent didnt know if it was going to be a soft or a hard. She said it's automated.

 

I chickened out.




New Contributor
Posts: 134
Registered: ‎04-25-2011
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Re: Best Buy CLI Question

i think it's a hardpull, because i was declined and they gave me a reason and my creditscore.

in my wallet:
Amex Zync : NPSL (main card always pif)
Discover More: 6,500$ (no balance)
Chase Sapphire : 5000.00$ (no balance)
Citi Thank You Card backed by Amex 8,200$ (no balance)
Amex Blue Cash 21,000$
Best Buy Store Card : 5,700$ (I'm a nerd so used a lot)
Epic Contributor
Posts: 25,863
Registered: ‎10-23-2007
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Re: Best Buy CLI Question

Best Buy Store is a soft... the score you are getting is the soft that they are getting every months or two.... When you do CLI with Amex, the score they send you after approved or denied can be up to 2 months ago, it shows the date. or maybe that was GE on my Dillards Amex... forget right now.

 

Now recently the stupid Best Buy MC was doing Hard Pulls and that was the first I had EVER seen that and it made me VERY MAD.  She wasn't nice and was putting me down saying I didn't qualify for more then $300 limit, but I had $600... I told her the only reason the card was still opened was because of the transfer to Capital One next year!

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Best Buy CLI Question


Creditaddict wrote:

Best Buy Store is a soft... the score you are getting is the soft that they are getting every months or two.... When you do CLI with Amex, the score they send you after approved or denied can be up to 2 months ago, it shows the date. or maybe that was GE on my Dillards Amex... forget right now.

 

Now recently the stupid Best Buy MC was doing Hard Pulls and that was the first I had EVER seen that and it made me VERY MAD.  She wasn't nice and was putting me down saying I didn't qualify for more then $300 limit, but I had $600... I told her the only reason the card was still opened was because of the transfer to Capital One next year!


Sorry to hear about your experience, I'm hoping Cap1  treats their new HSBC customers with some luv!




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
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
0

Re: Best Buy CLI Question


LS2982 wrote:

Creditaddict wrote:

Best Buy Store is a soft... the score you are getting is the soft that they are getting every months or two.... When you do CLI with Amex, the score they send you after approved or denied can be up to 2 months ago, it shows the date. or maybe that was GE on my Dillards Amex... forget right now.

 

Now recently the stupid Best Buy MC was doing Hard Pulls and that was the first I had EVER seen that and it made me VERY MAD.  She wasn't nice and was putting me down saying I didn't qualify for more then $300 limit, but I had $600... I told her the only reason the card was still opened was because of the transfer to Capital One next year!


Sorry to hear about your experience, I'm hoping Cap1  treats their new HSBC customers with some luv!


I have two cap ones for 4 years now in great standing; always denied for CLI.

 

I also have a BBRZMC and its stuck at $300 no CLI ever.

 

So I always say if cap one takes over HSBC, i'm screwed.




Member
Posts: 6
Registered: ‎08-25-2007
0

Re: Best Buy CLI Question


scott46401 wrote:

CS800 wrote:

Is it soft or hard?


always a soft pull....I have had 4 CLI's in the past 2 years(and one denial), and soft every time.

 

I apologize....I had confused this with Lowe's. I do not have the Best Buy card.


 

Regular Contributor
Posts: 197
Registered: ‎03-14-2011
0

Re: Best Buy CLI Question

The store card is a soft pull.  And it limits requests to every 6 months. 


Starting Score: 7/12/11 TU 584 EQ 541
Current Score: 05/12 TU 688 TU (WM) 716 EQ 683
Goal Score: 720

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