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Valued Member
Posts: 42
Registered: ‎07-29-2012
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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!


Starting Score (August 2011 post chapt7): Mid 500's for all three
Current Score (August 2012): EQ: 660 TU 662 EX 656
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Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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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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Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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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.
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Contributor
Posts: 90
Registered: ‎01-07-2010
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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.

Frequent Contributor
Posts: 382
Registered: ‎06-26-2012
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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)
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Senior Contributor
Posts: 4,572
Registered: ‎12-11-2011
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Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???


scarrollprint wrote:

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

 

 


I like that :smileytongue: 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 :smileytongue: 

;
Valued Contributor
Posts: 1,971
Registered: ‎09-16-2011
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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 

 


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Posts: 445
Registered: ‎09-14-2011
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Re: CAP ONE/ORCHARD BANK CLI HARD/SOFT PULL???

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

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Established Contributor
Posts: 501
Registered: ‎03-06-2007
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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.

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Regular Contributor
Posts: 134
Registered: ‎02-18-2012
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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? 

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