CLI w/o Hard

[Anonymous]

Logged on to my citi bank account to make a payment, tried the luv button, rcv $1250 increase without filling out the paperwork. Made me happy I called and open the account again.

[UpNComing]

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AtlButterFly wrote:

Logged on to my citi bank account to make a payment, tried the luv button, rcv $1250 increase without filling out the paperwork. Made me happy I called and open the account again.

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How long have you had the card?

[Anonymous]

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@Anonymous wrote:

Logged on to my citi bank account to make a payment, tried the luv button, rcv $1250 increase without filling out the paperwork. Made me happy I called and open the account again.

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Yeah..but how do you know it wasn't a hard pull ? Because there was no "paperwork" doesn't mean a thing. It may appear on your credit report 2-3 days later as a HARD.

[ficonovice]

I got a CLI from Citi (via website) last month w/o a hard pull. A few months earlier, I called them to complain about finance charges and ended up with a supervisor. He asked if there was anything else he could do fro me and I said how about a CLI. He said all he could approve w/o a hard pull was $2000 and I said okay, give it to me...

2 increases, no hard pulls from Citi...

[fused]

CITI online CLIs:

- no paperwork, no hard inq

- paperwork, a hard inq

I do know this firsthand

[Anonymous]

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fused wrote:

CITI online CLIs:

- no paperwork, no hard inq

- paperwork, a hard inq

I do know this firsthand

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I'll second that.

[Anonymous]

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cheddar wrote:

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fused wrote:

CITI online CLIs:

- no paperwork, no hard inq

- paperwork, a hard inq

I do know this firsthand

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I'll second that.

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I agree too.  I did a CLI via web with a Citi student card and they gave me one.  I wanted a higher one so I put in my info and got it without an inquiry per my CR this month.

[haulingthescoreup]

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@Anonymous wrote:

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@Anonymous wrote:

Logged on to my citi bank account to make a payment, tried the luv button, rcv $1250 increase without filling out the paperwork. Made me happy I called and open the account again.

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Yeah..but how do you know it wasn't a hard pull ? Because there was no "paperwork" doesn't mean a thing. It may appear on your credit report 2-3 days later as a HARD.

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By paperwork in this context, I think that OP is referring to Citi's online CLI request function. If you go to that screen and there are lots of boxes to fill in (= paperwork), it's a hard. But if there aren't the boxes, and instead it says something like "You are eligible for $1250 increase, do you accept?", it's a soft.

I wonder if Citi still posts auto-CLI's, or if you have to check the CLI site and accept them, or else the same limit will display (and apply) forever? Maybe a new trick in their book.

[Anonymous]

OHHHHH. ok. Kinda of like BOA. gotcha ~

[FretlessMayhem]

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@haulingthescoreup wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Logged on to my citi bank account to make a payment, tried the luv button, rcv $1250 increase without filling out the paperwork. Made me happy I called and open the account again.

---

Yeah..but how do you know it wasn't a hard pull ? Because there was no "paperwork" doesn't mean a thing. It may appear on your credit report 2-3 days later as a HARD.

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By paperwork in this context, I think that OP is referring to Citi's online CLI request function. If you go to that screen and there are lots of boxes to fill in (= paperwork), it's a hard. But if there aren't the boxes, and instead it says something like "You are eligible for $1250 increase, do you accept?", it's a soft.

I wonder if Citi still posts auto-CLI's, or if you have to check the CLI site and accept them, or else the same limit will display (and apply) forever? Maybe a new trick in their book.

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I got an auto-CLI from Citi on my third statement from $6000->$7500.

I am using their 15 month no interest for BTs for about $2300 in CC debt since I got the card, and haven't spent a dime as I refuse to lose my outstanding BT deal. I think they increased to try and get me to use the card for some purchases maybe.