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Frequent Contributor
ShiningDown
Posts: 303
Registered: ‎08-12-2011

Household bank platinum

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‎08-23-2012 04:12 PM

When submitting a cli online does this usually mean a hard pull?   



Walmart 672/June
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
CK transrisk 667/ June (Vantage 733/June)
Credit.com 695 / May (fico estimate 720)
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Mega Contributor
LS2982
Posts: 15,096
Registered: ‎04-09-2011

Re: Household bank platinum

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‎08-23-2012 04:17 PM

I asked when I had their card and it was a SP, but my files were frozen so it could be YMMV.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
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Frequent Contributor
ShiningDown
Posts: 303
Registered: ‎08-12-2011

Re: Household bank platinum

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‎08-23-2012 04:18 PM

Ok thanks LS



Walmart 672/June
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
CK transrisk 667/ June (Vantage 733/June)
Credit.com 695 / May (fico estimate 720)
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Frequent Contributor
ShiningDown
Posts: 303
Registered: ‎08-12-2011

Re: Household bank platinum

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‎08-23-2012 04:37 PM

Went ahead and  filled out the CLI request for HSBC and got a   200.00 increase. Oh well I guess im surprised with my debt I didn't expect to get anything. I have 1,000 on my card and asked for 1,000 just now and it said congratulations you are approved for 200.00 which is ready for use now. My balance on this card was 292 today when I applied. Also my debt is more than 50% right now on all my cards together.  Not sure if it was a soft pull or not.  



Walmart 672/June
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
CK transrisk 667/ June (Vantage 733/June)
Credit.com 695 / May (fico estimate 720)
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Established Contributor
calihlove75
Posts: 724
Registered: ‎05-16-2012

Re: Household bank platinum

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‎08-23-2012 05:29 PM

ShiningDown wrote:

Went ahead and  filled out the CLI request for HSBC and got a   200.00 increase. Oh well I guess im surprised with my debt I didn't expect to get anything. I have 1,000 on my card and asked for 1,000 just now and it said congratulations you are approved for 200.00 which is ready for use now. My balance on this card was 292 today when I applied. Also my debt is more than 50% right now on all my cards together.  Not sure if it was a soft pull or not.  

When I press the button it always says form is unavailable.

100% Ficos: EX 743, TU 743, Walmart TU fico 749, EQ 744
Inquiries last 1 year/6 months: EX-2/0, TU- 5/0, EQ-1/0~
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350
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Frequent Contributor
ShiningDown
Posts: 303
Registered: ‎08-12-2011

Re: Household bank platinum

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‎08-23-2012 06:10 PM

I got my card August 10th 2011.  Would this show up on credit karma if they did a hard pull? 



Walmart 672/June
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
CK transrisk 667/ June (Vantage 733/June)
Credit.com 695 / May (fico estimate 720)
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Established Contributor
calihlove75
Posts: 724
Registered: ‎05-16-2012

Re: Household bank platinum

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‎08-23-2012 07:11 PM

ShiningDown wrote:

I got my card August 10th 2011.  Would this show up on credit karma if they did a hard pull? 

If they pulled TU, Yes it would. I update my CK daily and anytime I applied for anything it would be reflected on my scorecard because the number of inquiries would change.

100% Ficos: EX 743, TU 743, Walmart TU fico 749, EQ 744
Inquiries last 1 year/6 months: EX-2/0, TU- 5/0, EQ-1/0~
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350
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Valued Contributor
tcbofade
Posts: 1,112
Registered: ‎09-26-2011

Re: Household bank platinum

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‎08-23-2012 07:14 PM

Generally speaking, Household/Orchard are still soft pulls for CLI's.

 

A few posters on here have mentioned HP's, but I've NEVER had an HP for a cli with them.



Last app 08/08/2012. App free in 2013!

Current Scores: EX 670 (FCR) TU: 673 (Wally) EQ: Your guess is as good as mine. :smileytongue:

Zero percent financing is where the devil lives...

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