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I just called Orchard bank today using the backdoor number and requested a CLI but was told i'd have to approve a run of my credit report. The Rep told me that they may or may not do a hard pull but he has no way of finding out for sure. I opted not to go through with it because i don't want anymore inquiries and especially for Orchard and a few extra hundred dollars OR less. My account has a zero balance and i haven't had an increase since August of last year. My current limit is just $300 and you can see my scores below. Have anyone recently received an Orchard CLI without a hard pull? I don't even know why i'm asking for a CLI because as soon as the end of the year comes, i'm dumping this card, but I guess its a matter of knowing I deserve a CLI from them.
@Kiwill wrote:I just called Orchard bank today using the backdoor number and requested a CLI but was told i'd have to approve a run of my credit report. The Rep told me that they may or may not do a hard pull but he has no way of finding out for sure. I opted not to go through with it because i don't want anymore inquiries and especially for Orchard and a few extra hundred dollars OR less. My account has a zero balance and i haven't had an increase since August of last year. My current limit is just $300 and you can see my scores below. Have anyone recently received an Orchard CLI without a hard pull? I don't even know why i'm asking for a CLI because as soon as the end of the year comes, i'm dumping this card, but I guess its a matter of knowing I deserve a CLI from them.
You were properly advised by the CSR. Proceed accordingly.
I got my first Orchard in August 2006, the second in May 2007, then combined them in May 2008.
I now have the one original Orchard Gold (they won't bump it to Platinum) with a $1,200 CL. I must have asked for 10 CLI's over the years. They always say there is the possibility of a hard pull. Sometimes I got the CLI, and sometimes I didn't. But, I've never had a hard pull.
I call for a CLI every 6 months. Always a soft pull.
CB
Ok, so here is what I got today
Orchard - $100
Macy - $500
NY & Co. - $200
Chase - $200
Cap 1 - NO
A total of $1000.00
All Soft Pulls
Best Buy Rewards MC - NO...Don't know if they did a soft or hard pull but I think it was a hard. My relationship with them will be over at the end of this year.
Congrats on the CLIs. It actually reminded me that I have 2 Orchard CCs that I've not seen a CLI on in over a year, so I called them. Apparently the auto-CLIs I used to get are no longer done. I asked the CSR "Well, so do I just have to keep calling for CLIs? What time interval do you recommend me calling at?" She (a manager) said, no lie, I could keep calling every 24 hours. Anyways, 1 soft pull later, I had a $200 CLI on a $900 card from 2006 and a $100 CLI on a $500 card that is just a year old.
Anyone every tried just calling them over and over? I mean, my credit was bad in 2006 (MUCH better these days), but piddly $100 and $200 increases are pretty pitiful. But I guess I could call every 24 hours like she recommended (she kind of chuckled about it, herself).
@Kiwill wrote:Ok, so here is what I got today
Orchard - $100
Macy - $500
NY & Co. - $200
Chase - $200
Cap 1 - NO
A total of $1000.00
All Soft Pulls
Best Buy Rewards MC - NO...Don't know if they did a soft or hard pull but I think it was a hard. My relationship with them will be over at the end of this year.
you got a cli from chase with out a credit pull??? are you sure about this, they always do pull if you request it