Credit Cards

[n777ua]

HP's or SP's ? 

[stone]

it depends for the citi, only hp if you decline the counter offer i think

[rtw]

I requested a cli with Cotiback in January and June. It was declined but both were SPs. I requested one last month that was granted for 3.5K. It was a HP.

[CreditScholar]

I received an auto CLI from Chase 2 months ago and it was a SP. Customer initiated CLI requests are typically a HP.

[n777ua]

So in short, it sounds like Amex is the only one doing the SP's for the CLI's...

[nuggets321]

Any time I have intiated a CLI with either one of these guys  it has resulted in a HP. If they auto CLI you , Im fairly certain that they just SP you

[amex77]

I just had a CLI from Chase. The rep told me it would be a hard pull.

[ajh5408]

Chase is always HP unless you escalate your situation through abnormal channels. Citi can be either, but your safest bet if you want a SP is to do it over the phone and make sure the CSR knows exactly what you're talking about when you tell them not to proceed if it will be a hard pull. That's still not a 100% safety, but you stand a better chance than rolling the dice with the form on their website.