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Household bank platinum

Frequent Contributor

Household bank platinum

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

Message 1 of 8
7 REPLIES
Mega Contributor

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.



EQ FICO 548 3/3/16
Message 2 of 8
Frequent Contributor

Re: Household bank platinum

Ok thanks LS

Message 3 of 8
Frequent Contributor

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.  

Message 4 of 8
Established Contributor

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 5 of 8
Frequent Contributor

Re: Household bank platinum

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

Message 6 of 8
Established Contributor

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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 7 of 8
Highlighted
Senior Contributor

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.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 8 of 8