Check to see if a card pull Hard or Soft when requesting a CLI

[LearningMoreAboutCredit]

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@09Lexie wrote:

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@LearningMoreAboutCredit wrote:

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@KilliNate wrote:

Can anyone verify that a walmart credit card is still a soft inquiry as of now? I was told by several people that it's a hard inquiry but then stumbled upon this forum. Just want to make sure.

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Walmart is typically a SP 100% of the time.

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For cli's only-its a sp. To open a new tl, like 99.99% of new accounts it's a hp. 

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Yeah that's what I meant...sorry I failed to mention that part

[brindle26]

Wells Fargo never SP'd me. It was always a HP every time.

[kayvee_]

Some of these might already be listed but here is my list:

Lowe's (every 4 mos) - 100% SP
Old Navy Visa (? mos.) - 100% SP
Discover (6 mos) - YMMV
Capital One (6 mos) - 100% SP according to website - be sure to keep balance under limit.
Walmart (4 mos) - 100% SP
Amazon (4 mos) - 100% SP
Wells Fargo Bank - YMMV...Ive had SP in the past; my last one was HP but declined.
Chevron (4 mos) - 100% SP I have one baddie on this card no success in a few years but I still try every 4 months.
Discount/America Tire ???? i dont even see a CLI option on website (gogecapital)
Macys (6 mos) - HP used to be SP... maybe YMMV
Bloomingdales (6 mos) - HP used to be SP... maybe YMMV
Express - 100% SP every 6-9 months. be sure to have balance utl on card under 80%.
Victoria's Secret (6 mos) - 100% SP every 6-9 months. be sure to have balance utl on card under 80%.
Bank of America (6 mos) - no experience but i hear HP?
Dicks Sporting Goods (? mos) - 100% SP but no sucess in 8 months since opening card.

[paulharmo]

Just found this out today.

TD Bank - Hard (EX)

[makin_no_cents]

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@djrez4 wrote:

This should absolutely be stickied and updated.

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+1

[SGR]

Not sure if the list will be updated, but here's the only one I haven't seen listed:

Elan (through Susquehanna Bank): HARD. For me, it was done through Transunion.

[physicist82]

Best Buy is a hard pull on EQ. I don't see it on TU or EX but it definitely showed on EQ. Maybe because they are Citi now and not Cap1?

[newhis]

My DW got a JCP card last month (store card) and today she did a chat with support, they say if the consumer asks for the CLI it will be a HP, only automatic CLI are SP.

Is this because the change from GECRB to SYNCB? She got the card with only $400, so it's the lowest limit for her.

[Anonymous]

I wish I had seen this thread 2 months ago.  

[CreditMagic7]

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@Anonymous wrote:

I wish I had seen this thread 2 months ago.  

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Completely escaped me also. At least it's still valid for the most part.