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Chase Freedom CLI - Soft Inquiry

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shane82388
Established Contributor

Chase Freedom CLI - Soft Inquiry

The lady who opened my Chase business checking and savings yesterday said i was pre-approved for Chase INK. I didnt take it but i mentioned that I wanted a CLI on my new Chase Freedom since its only $500.

 

She said she was going to try to get it raised without a hard inquiry....is this even possible? Has anyone heard of this?

 

For what its worth, she was going to call someone but it was after hours...so prob hear back monday?

Message 1 of 35
34 REPLIES 34
Viper786
Regular Contributor

Re: Chase Freedom CLI - Soft Inquiry

I just did some research on this a few hours ago and it seems for Chase Freedrom, CLI requests are hard inqs.

EQ - 701 FICO - ScoreWatch (8/2016) | TU - 754 FICO - Fico 8 (8/2016) | EX - 710 Fico - Fico 8 (8/2016)
Amazon Store Card - $10,000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One Platinum - $7,500 | Capital One Venture - $10,000 | Capital One VentureOne - $7500 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1500 | Discover It - $4200 | Ebates Visa - $25,000 | Macy's - $1700 | Lowes - $12,000 | Walmart MasterCard - $15,000
Message 2 of 35
shane82388
Established Contributor

Re: Chase Freedom CLI - Soft Inquiry


@Viper786 wrote:

I just did some research on this a few hours ago and it seems for Chase Freedrom, CLI requests are hard inqs.


Exactly...but she seemed to think she could possibly get it done without a hard inquiry...

 

Was she just clueless or is it possible?

Message 3 of 35
Viper786
Regular Contributor

Re: Chase Freedom CLI - Soft Inquiry

A few days ago, a friend of mine called Macy's to try to get an account re-instated that he closed less than a week ago. They told him it would be a soft inquiry, but they ended up doing a hard inquiry. So I personally don't believe the reps on the phone. I'm sure they're not purposely trying to deceive you, they may just be mistaken. 

EQ - 701 FICO - ScoreWatch (8/2016) | TU - 754 FICO - Fico 8 (8/2016) | EX - 710 Fico - Fico 8 (8/2016)
Amazon Store Card - $10,000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One Platinum - $7,500 | Capital One Venture - $10,000 | Capital One VentureOne - $7500 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1500 | Discover It - $4200 | Ebates Visa - $25,000 | Macy's - $1700 | Lowes - $12,000 | Walmart MasterCard - $15,000
Message 4 of 35
Anonymous
Not applicable

Re: Chase Freedom CLI - Soft Inquiry

It seems like it should be possible, but I hope you are prepared for a hard pull.

Message 5 of 35
mmduluth
Frequent Contributor

Re: Chase Freedom CLI - Soft Inquiry

Its definitley possible. Other companies do it all the time. Is it likely? No. 

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Message 6 of 35
shane82388
Established Contributor

Re: Chase Freedom CLI - Soft Inquiry


@Anonymous wrote:

It seems like it should be possible, but I hope you are prepared for a hard pull.


Absolutely not. I told her and had her repeat to me many times only if its a soft inquiry. We talked about myfico.com  etc so she seemed like she had half a clue...but i just dont know since everyone says u have to have a hard pull for Chase.

Message 7 of 35
Anonymous
Not applicable

Re: Chase Freedom CLI - Soft Inquiry

Hard pull is standard, but it does sound like you might get away with a soft.  But, I still wouldn't be surprised....

Message 8 of 35
trumpet-205
Valued Contributor

Re: Chase Freedom CLI - Soft Inquiry


@shane82388 wrote:

@Anonymous wrote:

It seems like it should be possible, but I hope you are prepared for a hard pull.


Absolutely not. I told her and had her repeat to me many times only if its a soft inquiry. We talked about myfico.com  etc so she seemed like she had half a clue...but i just dont know since everyone says u have to have a hard pull for Chase.


In any case, chance of Chase doing a soft pull is pretty slim.

Message 9 of 35
SwiftTone
Valued Contributor

Re: Chase Freedom CLI - Soft Inquiry

I requested and received a CLI for my Chase Slate last weekend. I asked her if it was a soft pull and she said yes. Now I'm not too sure Smiley Sad
AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
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