Reply
Established Contributor
swpopham
Posts: 540
Registered: ‎06-02-2012

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
Anarchy
Posts: 52
Registered: ‎01-30-2011

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?

Frequent Contributor
pdog661
Posts: 377
Registered: ‎03-31-2012

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
snowkitty
Posts: 985
Registered: ‎09-10-2012

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
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
swpopham
Posts: 540
Registered: ‎06-02-2012

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
Happychap
Posts: 321
Registered: ‎10-25-2011

Re: Citi hard pull !! damn

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

Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

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.
Photobucket
Established Contributor
swpopham
Posts: 540
Registered: ‎06-02-2012

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
chnceit
Posts: 1,524
Registered: ‎08-17-2008

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
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,268
Registered: ‎10-02-2012

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...... 

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+