@SwiftTone wrote:
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
Sorry. lol
Really hope its not. People should be able to get these taken off if they were told they were softs....Its really a bigger deal than the CSR's act. It has a huge bearing on your finacial sitution, and thus the future of your life, which should not be treated like some insignificant thing.
@shane82388 wrote: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?
I would check your EX file immediately and if there is no HP put a security freeze on your file. I don't think the CSR knows what she's talking about.
@ShiningDown wrote:I got a 1,000 increase in August 2011 from 5,000 to 6,000 and I pretty much begged her not to do a hard pull and they didn't.
Sweet!!! SP CLI's are where it's at!!!
@trumpet A security freeze stops HP's currently with a creditor or not. Ive had mutiple creditors tell me they cant HP because my reports are frozen.
@shane82388 wrote:
@SwiftTone wrote:
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
Sorry. lol
Really hope its not. People should be able to get these taken off if they were told they were softs....Its really a bigger deal than the CSR's act. It has a huge bearing on your finacial sitution, and thus the future of your life, which should not be treated like some insignificant thing.
Is there a way of calling and finding out if it was a SP or a HP? I don't want to have to pull a report just to find out what it was.
It was a increase from $300 to $500. I'd be pissed if it was a HP. $200 is not worht a HP. GRRRR
The truth is, I am planning on applying for a Chase Freedom in the next few months, and a Discover more 6 months after that. If they already did a HP, what are the chances of them just using the HP(if it is a HP) to apply for a Freedom card.
edit: I just send Chase a secured message asking them if it was a SP or a HP. We'll see what comes back.
@trumpet-205 wrote:
@LS2982 wrote:
@trumpet A security freeze stops HP's currently with a creditor or not. Ive had mutiple creditors tell me they cant HP because my reports are frozen.From Experian:
A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.
In addition, you need to pay fee (both placing and lifting) for security freeze.
I understand what your saying, but I've been in situations this year and last year where the creditor wanted to do a HP for a CLI and couldn't so they flat out denied the CLI. This may be true for EX but EQ and TU have been proven (at least from ym standpoint) to be HP blocked for CLI's.