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Citi & Chase for CLI's

Established Contributor

Citi & Chase for CLI's

HP's or SP's ? 

About $215,000 total credit among 11 cards
Message 1 of 8
7 REPLIES
Regular Contributor

Re: Citi & Chase for CLI's

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

Message 2 of 8
Established Contributor

Re: Citi & Chase for CLI's

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.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 8
Valued Contributor

Re: Citi & Chase for CLI's

I received an auto CLI from Chase 2 months ago and it was a SP. Customer initiated CLI requests are typically a HP.
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 4 of 8
Established Contributor

Re: Citi & Chase for CLI's

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

About $215,000 total credit among 11 cards
Message 5 of 8
Frequent Contributor

Re: Citi & Chase for CLI's

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

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 6 of 8
Member

Re: Citi & Chase for CLI's

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

Message 7 of 8
Highlighted
Contributor

Re: Citi & Chase for CLI's

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.

Message 8 of 8