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Re: Online Chat with A Citi Representative on CLI's

[ Edited ]

every CLI that ive done on their site has been a soft pull. they have always countered my increase amount too

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Re: Online Chat with A Citi Representative on CLI's

This is clearly a YMMV and likely because different customers are put in different categories of some sort. I suspect it may have to do with other banking relations with Citi. For instance if one has a checking/savings account with them they have can combine the information history to create a better risk metric.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

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Re: Online Chat with A Citi Representative on CLI's

**bleep** lmao as soon as I read "pulled out very softly" I LOL'd Hilarious nice wording.

It'd be nice if it really was always a soft. When it comes to Inquiries SOFT is better than HARD.
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Re: Online Chat with A Citi Representative on CLI's


cashnocredit wrote:

This is clearly a YMMV and likely because different customers are put in different categories of some sort. I suspect it may have to do with other banking relations with Citi. For instance if one has a checking/savings account with them they have can combine the information history to create a better risk metric.


Definitely YMMV. I have no banking relationship with CITI other than a CC. My first 2 CLI requests were soft pulls. Never tried for a third. My wife, on the other hand, who also does not have banking relationship with CITI, just a CC, got hard pulled on her first request.

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Re: Online Chat with A Citi Representative on CLI's


BMW_M-Series wrote:

SuperKirby wrote:

This thread was freaking hilarious! 

 

Anyway, where exactly on the site can I request for an online chat feature?

 

ETA: (sorry for the old thread bump)


click on the make a payment and then on the pop up box just click live chat :smileyhappy:


Thanks.

 

Back to topic,  I'm really starting to think the CSRs don't know the difference between soft and hard pulls. I really think they have their own definition of soft and hard. I don't know how many times they've said soft and I got a HP.

     
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