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Mega Contributor
Creditaddict
Posts: 18,881
Registered: ‎10-23-2007

KAY CLI.. ouch!

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" 

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Established Contributor
Donks3369
Posts: 514
Registered: ‎07-01-2008

Re: KAY CLI.. ouch!

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.

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

Re: KAY CLI.. ouch!

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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