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CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

Valued Member

CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

Does anyone knows when applying for a CLI, does CapOne and Orchard Bank does a hard or a soft pull??? Thanks in advance!


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Message 1 of 34
33 REPLIES
Valued Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

There is a thread in stickies for this.  However, cap one is hard. Orchard used to be soft.  Not sure with changeover to cap one if policy is still in place.  I think others have recently gotten soft based cli on orchard.  I would call them.

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Message 2 of 34
Senior Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I always get soft pulls for both HSBC and Cap One, although the Cap One cli requests are NEVER granted. LOL... After more than six years, I'm only at $1,500 on Orchard/HSBC. I've always gotten a $200 cli per year with that card.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 34
Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I called HSBC and askd for a CLI it was a hard pull for $100.00 not even worth it.

Message 4 of 34
Frequent Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

Cap 1 = YMMV doesn't matter WHAT the question is.

 

 



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Message 5 of 34
Super Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


scarrollprint wrote:

Cap 1 = YMMV doesn't matter WHAT the question is.

 

 


I like that Smiley Tongue haha

 

Definitely about WHO you talk to with cap1. The automated system will 99.9999999999999999999999999% of the time tell you to go..well, it'll say no Smiley Tongue 

Message 6 of 34
Valued Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

CapOne is 99.999% of the time is a WP   (wasted pull)  they don't give customer iniated credit limit increases 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 7 of 34
Frequent Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

All HP's. I have both and r not worth it.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 8 of 34
Established Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


jamesdwi wrote:

CapOne is 99.999% of the time is a WP   (wasted pull)  they don't give customer iniated credit limit increases 

 


That's what I have found also.  I have not budged from my $5K limit since I combined cards 4 years ago.  I get a CLI almost every time I try on my Barclay's US Airways which started at $700 and is now $7070.  No big deal, I will just never use them again.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Message 9 of 34
Regular Contributor

Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

I called the backdoor number for HSBC Credit. I asked her to see if I qualify for a CLI, she said they do not, and never have done soft pull for CLI. I explained to her that the last 2 have been soft. I was gonna call back and see if another rep can help but I got busy. Has anybody recently got a received a CLI via soft pull? 

Message 10 of 34