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Best Buy CLI..Soft or hard pull?

Frequent Contributor

Best Buy CLI..Soft or hard pull?

Just got my first cli from Best Buy. My starting cl was 3600 call the 800# and they cli to 4700. Does any one recall if this is a hard or soft pull?


Starting Score: 744
Current Score: 744
Goal Score: 800


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Message 1 of 19
18 REPLIES
Senior Contributor

Re: Best Buy CLI..Soft or hard pull?

the 2 CLIs we have gotten have been soft pulls, but that was before the new credit card laws, so who knows.  a lot of people are now pulling hard pulls when they never used to.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 2 of 19
Member

Re: Best Buy CLI..Soft or hard pull?

Sorry I don't have an answer, but how long did it take to get the cli?

Message 3 of 19
Frequent Contributor

Re: Best Buy CLI..Soft or hard pull?

Thanks. I hope it is still a soft pull. If you don't mind me asking what have they increased your limit up to? Do they have a cap on the limit? Also how much do you use your card?


Starting Score: 744
Current Score: 744
Goal Score: 800


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Message 4 of 19
Frequent Contributor

Re: Best Buy CLI..Soft or hard pull?

justwill90, I have had my card for seven months. Do you have a BB store card or the MC?


Starting Score: 744
Current Score: 744
Goal Score: 800


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Message 5 of 19
Senior Contributor

Re: Best Buy CLI..Soft or hard pull?

we've had the card for 2 years, i'm sure there's a cap but our limit isn't high enough to know that yet, & our card has a 2400 CL now.  we use it mostly for 0% stuff, but sometimes we go in there & buy $100 worth of cds or something that isn't on a promotional period.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 6 of 19
Senior Contributor

Re: Best Buy CLI..Soft or hard pull?

and we have the store card, which usually has higher credit limits than the reward zone mastercard.  from what i have heard, anyway.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 7 of 19
Member

Re: Best Buy CLI..Soft or hard pull?

I have the famous $100 limit MC lol

Message 8 of 19
Frequent Contributor

Re: Best Buy CLI..Soft or hard pull?

My card is just the plain store card. I don't get why the store card is harder to get. Isn't it usually the other way around? 


Starting Score: 744
Current Score: 744
Goal Score: 800


Take the FICO Fitness Challenge
Message 9 of 19
Frequent Contributor

Re: Best Buy CLI..Soft or hard pull?

What 800# did you call. I have been fighting to get an increase for a month now. I then decided to just apply for another card because someone at my best buy said to do so I was approved for another card but i was just angry because they couldnt just give me an increase! Now i have two store accounts a best buy mastercard with a higher limit than my store card and a direct rewards card with a higher limit than my store card!

Message 10 of 19