JCP CLI Question

[MamboItaliano]

Doing some recon work for the DW's JCP account. 

Do they do hard pulls or soft pulls?

[frogfan12]

Soft pulls. Quick question - are you trying to recon a CLI request decision?

[Creditaddict]

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@MamboItaliano wrote:

Doing some recon work for the DW's JCP account. 

Do they do hard pulls or soft pulls?

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not possible to recon declined.... 

if it's CLI, they can transfer you over to manual review and they pull a fresh TU with SP and review.... ask high, they can counter! although if it's been declined already maybe not.

[MamboItaliano]

It's a recon of a CLI decision that was actually positive. It's her oldest account, but she had left it in the SD (thank heaven). Unfortunately, it was down to like $150. The CLI only put her up to $300. She's going to be making the call today to talk to a supervisor and explain that she'd love to start using the card again for the rewards, but can't really justify using it with a $300 when she more than likely has that in cash at any point in time. 

[Creditaddict]

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@MamboItaliano wrote:

It's a recon of a CLI decision that was actually positive. It's her oldest account, but she had left it in the SD (thank heaven). Unfortunately, it was down to like $150. The CLI only put her up to $300. She's going to be making the call today to talk to a supervisor and explain that she'd love to start using the card again for the rewards, but can't really justify using it with a $300 when she more than likely has that in cash at any point in time. 

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You don't talk to supervisor, ask to be transfered to underwriting for a manual review on the credit line increase. it's a soft pull but they will go through income and disclosure etc.

[MamboItaliano]

Ah, you're right. Good catch.