Reply
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

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

[ Edited ]

Hi MODs

 

I was wondering if we can make this a sticky. I did not find anything when searching, but a place where we can go to see if a certain card is soft or hard for CLIs would be great. I can always update the list if things change. Please everyone chime in on credit cards you may have and know if they are soft or hard pulls for CLIs.

 

If this has already been done, please forgive me. I will list the cards I have and what I already know.

 

You can answer Soft, Hard, or YMMV (your mileage may vary)

 

Updated 5-4-2012

 

Credit cards                                                                                   Pulls

 

Amazon store card                                                                        Soft (every 4 months)

Alliant  CU                                                                                       Hard 

American Express                                                                         Soft (61 days after opening acct) (6 months thereafter) up until 25k

Bank of America                                                                             Hard (some have push luv button online and soft YMMV)

Barclay Rewards Visa                                                                   Hard

Bellco CU Platinum Visa                                                              Hard

Best Buy                                                                                          Soft

Cap One                                                                                          Soft (almost impossible to get a CLI many have stated)

Chase                                                                                              Hard

Citibank                                                                                            YMMV

DCU Visa Platinum Rewards                                                     Hard

Discover                                                                                          YMMV

ExxonMobil                                                                                      YMMV

First National Bank of Omaha                                                     Soft over the phone, HP online ALWAYS (eligible every 4 months)

Gap Visa                                                                                          Soft (every 4 months)

Home Depot                                                                                   Hard

HSBC Platinum                                                                              Soft (note this is turning into a Niagara CC)

J Crew                                                                                              Soft (every 4 months)

JcPenney                                                                                         Soft (every 4 months)

Kohls                                                                                                Soft

Macys                                                                                               Soft (every 4 months)

NASA CU                                                                                         Hard

NFCU                                                                                               Hard

Nordstrom store card                                                                   Soft

Patelco CU                                                                                      Hard

Paypal Smart Connect                                                                  Soft (every 4 months)

PenFed                                                                                            Hard (Pre approval CLIs soft) (will use the same pull for 90 days)

Target                                                                                                Does not accept customer initiated CLIs

U S Bank                                                                                          Hard

Victoria Secret                                                                                 Soft

Walmart                                                                                            Soft (every 4 months)

Wells Fargo                                                                                     Soft

Younkers (and other BonTon Stores)/HSBCail                         Soft

 

 



Please let me know if I am wrong on anything and let me know of any other cards and I will update the list

 

Thanks

 



Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: CLI Pulls soft or Hard

Discover = YMMV

Walmart = Soft (every 4 months)

 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: CLI Pulls soft or Hard


TNTransplant wrote:

Discover = YMMV

Walmart = Soft (every 4 months)

 



Thanks TNT, i will update the list

Frequent Contributor
ctb89
Posts: 419
Registered: ‎03-05-2012

Re: CLI Pulls soft or Hard

How about consolidating all GE cards.
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

Re: CLI Pulls soft or Hard

Cap1=YMMV

Kohls=SP

Bank Of America= HP

Bestbuy= SP

Homedepot=HP

 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: CLI Pulls soft or Hard


ctb89 wrote:
How about consolidating all GE cards.


I was thinking that CTB, but some people may not know what cards are GE backed so I listed them separately

Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: CLI Pulls soft or Hard

[ Edited ]

afbar1114 wrote:

Cap1=YMMV

Kohls=SP

Bank Of America= HP

Bestbuy= SP

Homedepot=HP

 



Thanks Afbar, i will update

 

EDIT to add, i thought CAP1 was always a HP

Established Contributor
andre181
Posts: 624
Registered: ‎07-29-2010

Re: CLI Pulls soft or Hard

[ Edited ]

oracles wrote:

afbar1114 wrote:

Cap1=YMMV

Kohls=SP

Bank Of America= HP

Bestbuy= SP

Homedepot=HP

 



Thanks Afbar, i will update

 

EDIT to add, i thought CAP1 was always a HP


Capital One is always a soft pull.

 

Target doesn't do customer initiated CLI's

 

First National Bank of Omaha = SP over the phone usually, HP online ALWAYS (eligible every 4 months)

Younkers (and other BonTon Stores)/HSBC Retail = SP

Wells Fargo = SP

Bank of America = Always SP for me

Discover = SP online 

 

Those have just been my experiences.

 

 

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: CLI Pulls soft or Hard


andre181 wrote:

oracles wrote:

afbar1114 wrote:

Cap1=YMMV

Kohls=SP

Bank Of America= HP

Bestbuy= SP

Homedepot=HP

 



Thanks Afbar, i will update

 

EDIT to add, i thought CAP1 was always a HP


Capital One is always a soft pull.

 

Target doesn't do customer initiated CLI's

 

First National Bank of Omaha = SP over the phone usually, HP online ALWAYS (eligible every 4 months)

Younkers (and other BonTon Stores)/HSBC Retail = SP

Wells Fargo = SP

Bank of America = Always SP for me

Discover = SP online 

 

Those have just been my experiences.

 

 



Thanks andres, i will update

Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: CLI Pulls soft or Hard

Good Job Oracles!!

               LIMITS IN CARD DESCRIPTIONS

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+