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Frequent Contributor
ShiningDown
Posts: 316
Registered: ‎08-12-2011

Household bank platinum

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


CK transrisk 667/ June (Vantage 733/June) (Credit.com 695 / May
Walmart 672/June.....686/July Equifax 7/6 686
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Household bank platinum

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 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
ShiningDown
Posts: 316
Registered: ‎08-12-2011

Re: Household bank platinum

Ok thanks LS


CK transrisk 667/ June (Vantage 733/June) (Credit.com 695 / May
Walmart 672/June.....686/July Equifax 7/6 686
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
Frequent Contributor
ShiningDown
Posts: 316
Registered: ‎08-12-2011

Re: Household bank platinum

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.  


CK transrisk 667/ June (Vantage 733/June) (Credit.com 695 / May
Walmart 672/June.....686/July Equifax 7/6 686
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Household bank platinum


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 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Frequent Contributor
ShiningDown
Posts: 316
Registered: ‎08-12-2011

Re: Household bank platinum

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


CK transrisk 667/ June (Vantage 733/June) (Credit.com 695 / May
Walmart 672/June.....686/July Equifax 7/6 686
credit sesame 725, June 2013
Quizzle 680 Sept/ /2012 696/March
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: Household bank platinum


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 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Valued Contributor
tcbofade
Posts: 1,765
Registered: ‎09-26-2011

Re: Household bank platinum

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.



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

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