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Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Citi Soft Pull CLI's

Just for clarification:

 

"A credit bureau report will not be requested and you will receive an instant decision" 

 

Does this mean they will soft pull you at the time of request

 

-OR-

 

Or will they use the last soft pull on file?

 

Also, does Citi soft pull every month?

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Moderator
09Lexie
Posts: 25,941
Registered: ‎09-13-2012
0

Re: Citi Soft Pull CLI's


Shock_ wrote:

Just for clarification:

 

"A credit bureau report will not be requested and you will receive an instant decision" 

 

Does this mean they will soft pull you at the time of request

 

-OR-

 

Or will they use the last soft pull on file?

 

Also, does Citi soft pull every month?


Just for kicks, I tried it a few days ago on my CDP.  No inq and it looks like they used a  sp from Jan.  I had received a CLI the first of the year and I have not been SPd since the CLI. 

Regular Contributor
parkman
Posts: 191
Registered: ‎11-23-2013
0

Re: Citi Soft Pull CLI's

+1 to what Lexie said. They use your last SP.
All I have for this forum is bubblegum and anecdotal evidence, and I'm all out of bubblegum.
Senior Contributor
yudeology101
Posts: 4,652
Registered: ‎06-21-2012
0

Re: Citi Soft Pull CLI's


09Lexie wrote:

Shock_ wrote:

Just for clarification:

 

"A credit bureau report will not be requested and you will receive an instant decision" 

 

Does this mean they will soft pull you at the time of request

 

-OR-

 

Or will they use the last soft pull on file?

 

Also, does Citi soft pull every month?


Just for kicks, I tried it a few days ago on my CDP.  No inq and it looks like they used a  sp from Jan.  I had received a CLI the first of the year and I have not been SPd since the CLI. 


+1, although my CLI request was denied, i pulled the denial document and it looks like they've used the SP from Jan.  Also it was a SP from EQ

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
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Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
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Valued Contributor
lhcole77
Posts: 1,370
Registered: ‎09-18-2012
0

Re: Citi Soft Pull CLI's


yudeology101 wrote:

09Lexie wrote:

Shock_ wrote:

Just for clarification:

 

"A credit bureau report will not be requested and you will receive an instant decision" 

 

Does this mean they will soft pull you at the time of request

 

-OR-

 

Or will they use the last soft pull on file?

 

Also, does Citi soft pull every month?


Just for kicks, I tried it a few days ago on my CDP.  No inq and it looks like they used a  sp from Jan.  I had received a CLI the first of the year and I have not been SPd since the CLI. 


+1, although my CLI request was denied, i pulled the denial document and it looks like they've used the SP from Jan.  Also it was a SP from EQ


I would love to do my request BUT I'm getting the "a report will be pulled" verbage. Last SP was on EQ on 01/31. Hoping to get  "A credit bureau report will not be requested and you will receive an instant decision" message soon....

Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Re: Citi Soft Pull CLI's

is there any way we can find on when the last pull was for those who don't use any sort of credit monitoring tools?

 

And aisde from calling them? Do they soft pull every month? Reason being is I'm waitng for my BCE to report, plus my auto loan balance to report this month since i paid a big chunk and ake mke all the difference.

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Super Contributor
enharu
Posts: 6,994
Registered: ‎02-27-2013
0

Re: Citi Soft Pull CLI's


Shock_ wrote:

is there any way we can find on when the last pull was for those who don't use any sort of credit monitoring tools? annualcreditreport.com or buy a credit report from the CRAs directly.

 

And aisde from calling them? doubt CSRs can tell you when they last SP'ed you. Do they soft pull every month? depends. varies. For me they SP once every 1-3 months and the SP always happens on the last day of the month. There's no pattern behind the frequency of my SPs. Reason being is I'm waitng for my BCE to report, plus my auto loan balance to report this month since i paid a big chunk and ake mke all the difference.


 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Re: Citi Soft Pull CLI's

alright, part two:

 

Can we recon the limit if approved, or would we have better luck on a higher increase by calling a backdoor numberand requesting a CLI? I normally use retention and they are pretty knowledgeable.

 

And has anybody heard of extending a 0% APR? I know mines is probably due April 31st, but it was only 9 months, not the 15 months that most people get..I want to do a huge BT and hopefully they will bite.

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Super Contributor
enharu
Posts: 6,994
Registered: ‎02-27-2013
0

Re: Citi Soft Pull CLI's


Shock_ wrote:

alright, part two:

 

Can we recon the limit if approved, or would we have better luck on a higher increase by calling a backdoor numberand requesting a CLI? I normally use retention and they are pretty knowledgeable.

 

And has anybody heard of extending a 0% APR? I know mines is probably due April 31st, but it was only 9 months, not the 15 months that most people get..I want to do a huge BT and hopefully they will bite.


if you want more than what you can get via SP, then it will be a HP. Calling backdoor isn't going to help much. If you already took a HP and didn't get as much as you want, then that's when backdoor or other departments may be able to help.

 

As for 0% APR extension, it will depend on your account standing with Citi. They have various offers from time to time. Just call and ask what offers are available to you. If they don't have anything now, you can try again next month to see if there's a new offer for you then.

 

 

 

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Re: Citi Soft Pull CLI's

im giving them a call now...fingers crossed!

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013

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