09-03-2012 01:46 AM
HP's or SP's ?
09-03-2012 01:55 AM
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.
09-03-2012 03:02 AM
09-03-2012 04:10 AM
So in short, it sounds like Amex is the only one doing the SP's for the CLI's...
09-03-2012 06:03 AM
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
09-03-2012 07:43 AM
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.