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Established Contributor
n777ua
Posts: 566
Registered: ‎05-29-2011

Citi & Chase for CLI's

HP's or SP's ? 

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Regular Contributor
stone
Posts: 237
Registered: ‎11-15-2011

Re: Citi & Chase for CLI's

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

Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

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.


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Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012

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.
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Established Contributor
n777ua
Posts: 566
Registered: ‎05-29-2011

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...

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Business Gold NPSL, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $4.4k, Target $.2k, CapOne $2k Von Maur NPSL,
Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011

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-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 10,000 CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4900CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase SlatE$4000/BofA2500/ToyotaRewardsVisa$6500
New Member
amex77
Posts: 4
Registered: ‎09-01-2012

Re: Citi & Chase for CLI's

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

Contributor
ajh5408
Posts: 98
Registered: ‎04-13-2012

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.

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