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Established Contributor
Posts: 554
Registered: ‎06-02-2012
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Citi hard pull !! damn

I thought I would be clever and hit the luv button on citi cards website and bam.... hp and declined the cli due to not being eligable!! SOB !!! lol figured id share

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
New Contributor
Posts: 54
Registered: ‎01-30-2011
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Re: Citi hard pull !! damn

[ Edited ]

When was the last time you received an increase from them?

..and did you know your scores prior to hitting the Heart button?

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Frequent Contributor
Posts: 378
Registered: ‎03-31-2012
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Re: Citi hard pull !! damn

For me Citi has always been a hard pull..... I never noticed, and have 6 HPs on my report for CLIs.  Live and learn!

Established Contributor
Posts: 985
Registered: ‎09-10-2012
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Re: Citi hard pull !! damn

Wow....good to know.....I have a gas card with them and wanted a cli soon but I don't want a hp
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Established Contributor
Posts: 554
Registered: ‎06-02-2012
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Re: Citi hard pull !! damn

I just got the card and paid my first statement of 2500 in full. and my scores should be right around 700 give or take anyday of the week

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Frequent Contributor
Posts: 344
Registered: ‎10-25-2011
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Re: Citi hard pull !! damn

I have never been lucky with a SP, they always HP me and then decline me Smiley Sad

Established Contributor
Posts: 614
Registered: ‎08-24-2011
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Re: Citi hard pull !! damn

Are you sure they did a HP? I requested one when my account wasn't eligible and they said they pulled EQ but never did. The letter I got stated that I was denied because my account wasn't eligible; it did not cite my credit report. I never got an alert from my monitoring service, and I pulled my monthly 3 in 1 credit report and there was no inquiry.

You may have escaped a HP. YMMV, of course.
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Established Contributor
Posts: 554
Registered: ‎06-02-2012
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Re: Citi hard pull !! damn

yea im sure, ive gotten the alert from amex, usaa, equifax, my fico, mpm and credit seseme.... and took at 18 point hit on credit karma!

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Citi hard pull !! damn


swpopham wrote:

I thought I would be clever and hit the luv button on citi cards website and bam.... hp and declined the cli due to not being eligable!! SOB !!! lol figured id share


WOW a true YMMV moment


$100K in Credit
Last Credit Card App: 11/16/13
Senior Contributor
Posts: 3,915
Registered: ‎10-02-2012
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Re: Citi hard pull !! damn

Hmm thats funny We have Sears MC which is issued by Citi and everytime we request CLI its a SP...... 

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