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Established Contributor
Posts: 573
Registered: ‎05-29-2011
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Citi & Chase for CLI's

HP's or SP's ? 

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Regular Contributor
Posts: 243
Registered: ‎11-15-2011
0

Re: Citi & Chase for CLI's

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

Established Contributor
Posts: 797
Registered: ‎05-01-2012
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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
Posts: 2,300
Registered: ‎01-22-2012
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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
Posts: 573
Registered: ‎05-29-2011
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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 Simply Cash Business $3k, 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 $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
Frequent Contributor
Posts: 372
Registered: ‎03-25-2011
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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 12,000 CL -Amex Zync NPSL -WellsFargoRewards3800 - -CapOne 3000CL -GEMBWalMart 5000CL - 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$400-BofA2500-ToyotaRewardsVisa$9500 -BofA$6500
Member
Posts: 7
Registered: ‎09-01-2012
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Re: Citi & Chase for CLI's

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

Contributor
Posts: 98
Registered: ‎04-13-2012
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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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Chase Hyatt [$9K] // AMEX SimplyCash [$8K] // Chase Freedom [$7K] // PenFed Platinum Rewards [$6.5K] // AMEX Clear [$6K] //
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