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Valued Member
miltolam
Posts: 42
Registered: ‎07-29-2012
0

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
Goal Score (Spring 2013): 700+ for all three
Wallet: CapOne Platinum Rebuilder: $750CL/ Orchard Bank: $420/ NFCU nRewards $2k

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Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
0

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
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
hardworker77
Posts: 90
Registered: ‎01-07-2010
0

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
scarrollprint
Posts: 382
Registered: ‎06-26-2012
0

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
Senior Contributor
jsucool76
Posts: 3,876
Registered: ‎12-11-2011
0

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
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
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Frequent Contributor
Brian_Trying_700
Posts: 445
Registered: ‎09-14-2011
0

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 $ ?
Frequent Contributor
dallasjetfan
Posts: 498
Registered: ‎03-06-2007
0

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 $15K| TTCU $15K| Chase Slate $10K| Citi Simplicity $10K| AMEX BCE $10K| Discover IT $6K
Regular Contributor
aloush11
Posts: 134
Registered: ‎02-18-2012
0

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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