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Mega Contributor
Creditaddict
Posts: 11,311
Registered: ‎10-23-2007

KAY CLI.. ouch!

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‎03-23-2009 09:36 AM

partner called into customer service because account was recently paid off. They said your account is eligible, just go into store and they will increase it.... went into store and they did increase it... $180!!!

Next day got the alert... HARD PULL!

Never would have done it if new it was hard pull. I think it should be law that banks ASK you, "this is going to be a hard pull, do you wish to continue" 

~Addicts NEW Wallet: (AU)
Navy Flagship Visa, American Express Blue Cash Preferred, American Express Costco, Macy's American Express
~Cards in My name kept Active:
3 Target Cards, Cap1, Best Buy MC, Kays, Von Maur, FNBO Secured
~Cards in Holding AU or Joint: 2 Discover it, Chase Freedom, Bank of America, Navy Federal Cash, Wells Business Credit Card, USAirways Business Card, AA Business Card, Best Buy Store, SAKS, Bloomingdales... I'm sure I'm forgetting something in my car!
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Established Contributor
Donks3369
Posts: 514
Registered: ‎07-01-2008

Re: KAY CLI.. ouch!

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‎03-23-2009 09:44 AM

Credit,

 

The bad thing that I have experienced is that CSR's have no idea what a hard pull and a soft pull is.  I work for a bank and some of the managers don't even know.  I think these people need to spend a few days reading the MyFico message boards.

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Established Contributor
granny031350
Posts: 951
Registered: ‎12-04-2007

Re: KAY CLI.. ouch!

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‎03-23-2009 05:24 PM

I just received a credit line increase from Kay's.  They did it, however, I did not ask for it.  800 increase to 2400 now.  no hard pull
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