01-25-2010 07:52 PM - edited 01-25-2010 08:00 PM
01-28-2010 09:47 PM
01-29-2010 04:18 AM
01-29-2010 05:44 AM - edited 01-29-2010 05:46 AM
Technically a CLI request is a request for new credit. Many CCC's will pull hard for CLI if the request is for more than the "system" provides by internal review or soft (indicating that possibly a soft doesn't give a total CR picture?) or when the CLI is customer initiated, prior to the normal review cycle time (immediatly upon app is one such time) or sometimes a CCC will hard upon any request.
I don't have Nordstrom experience...but IME a hard inq is not completely uncommon. And CapOne pulls all three as well.
I had a recent experience where I asked for CLI from CareCredit (GEMB) and they offered $1k with no pull or soft. I persisted for more, spoke to an analyst who pulled hard and then only offered me $800 (so I lost $200 in CLI). While my experience is not the same and I didn't get a CLD on total CL, it does indicate that it may be best policy to accept what is offered, then establish some history with them before asking for more...otherwise you may not like the actual results.
Sorry to hear about the OP experience though...
01-31-2010 01:30 PM
01-31-2010 01:34 PM
I did not co-apply, please read before replying. It was not the greed, I wanted to get a higher CL like most people would, did not think it would heart to try. I already got my EX and TU inq removed. And I also asked them to remove the account so I do not have a new closed account on the report. They have removed it from EX so far
01-31-2010 01:58 PM
So, I applied for their Visa Platinum and got approved for 7.5k(EQ pull). Then I asked them to increase the limit since it was too small and asked if they will pull my credit again. The rep told me "no, we have your report right here". Then he refused to increase the limit. When I came back home i looked at my report and saw that Nordstrom pulled all 3! In a week I got the letter My CL was lowered to 1k. I called to ask what was going on and they told me it was due to my EX inquiries (I had 5). WTF I asked them not to pull my credit again! So I talked to a couple of managers and finally President of the bank and the agreed to close the account and remove it like it never existed and also delete the inquiries, but they would not give me the line back. Such a shame, they used to be a good bank
HUH, they still a great bank. I've had my cc with them since 2001. Started with 1k store card. Got lots of cli's.. Now currently SIG Visa... CL 18,500. At no time have I ever had to provide additional documents like it's has been discussed in the forum.
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