07-20-2013 02:23 PM
07-20-2013 02:36 PM
Chase do SP as well if you used a HP on them recently
I dont think this is true. They will HP you every time you request a CLI no matter what time of year or how old your account is with them.
07-20-2013 02:37 PM
My nerves got the best of me. I put in for a CLi and got an INSTANT DENIAL. It says the have my score on file from Equifax.
Does this mean I have reset the 6 month clock?
It literally took 1 second.
Wait 6 months for your next CLI. Its not worth a HP for small CLI's
07-20-2013 03:53 PM
Hello, I have a few questions regarding a CITI CLI.
My first request was 4.5 months ago for a CLI and I only asked for 100.00$ increase. It was approved (I should have asked for more).
You only asked for 100.00? Heck yeah, you should have asked for more! They gave me a 2000.00 CL and I recently asked them to double it and they did.
07-20-2013 04:05 PM
07-20-2013 04:17 PM
I checked my report and my cli was a SP
I think you just got lucky. There are multiple people, including me, who have gotten another hard inquiry instead of Chase doing a soft inquiry for an increase. I rang in less than one hour after it was declined to have it reconsidered and another hard inquiry was done on TransUnion.
07-20-2013 04:24 PM
How did you apply and was it a HP?
I called them and they told me HP was "possible" and I told them that was okay. I think it was soft. I haven't seen any evidence of a hard.
07-20-2013 06:05 PM - edited 07-20-2013 06:06 PM
Thinking about the few Citi CLI threads going around I decided to try the other night via the online button.
I forgot to take screen shots, but this is what happened:
I put in all the info, I asked them to increase my credit line by 2k. The next page confirmed what I had put. The third page said they could increase by 1k right now and that no credit file was pulled. Then they asked me to take it, or cancel. The fourth page said congrats your new line is...
There was a button on that last page that said something like "request more." I assume if you go for that they would hard pull.
07-20-2013 06:41 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.