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JCPENNY CLI' S HARD OR SOFT PULL

Valued Contributor

JCPENNY CLI' S HARD OR SOFT PULL

Hi everyone, I have had this card since April can anyone give me advice is it too early to ask for a cli, also is it a soft pull or a hard pull (I hope it is a soft pull like Macy's) and do I just speak to a customer service representative.

Thanks for any advice


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 1 of 4
3 REPLIES
Senior Contributor

Re: JCPENNY CLI' S HARD OR SOFT PULL

I'd recommend waiting 4 statement cycles at a minimum.

 

 

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 2 of 4
Valued Member

Re: JCPENNY CLI' S HARD OR SOFT PULL

Hi Tray. A JCP CLI is a soft pull. You can go on their website and request a CLI. However, if I were you I would wait a few more months.
Message 3 of 4
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Frequent Contributor

Re: JCPENNY CLI' S HARD OR SOFT PULL

I opened my JC Penney account at the begining of March.  I applied at my local store and was approved for $800.00   I've used it lightly since then off and on.  For the last couple of months I've not used it at all.

 

Yesterday, I decided to  try for a CLI online.   I clicked the button on the website and was given an increase of $ 1,000.00.  I now have a CL of $1800.00 Smiley Very Happy I then went to check my credit reports and did not notice a hard inquiry.  

 

I say go for it, of course that is just my opinion.

 

Message Edited by mainemedic on 07-21-2009 09:29 PM
Message 4 of 4