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Sears/Citi CLI Question

Frequent Contributor

Sears/Citi CLI Question

Just had my 6th statement cut with my Sears card. Was wondering when a good time to ask for a CLI from Sears is and if it is a HP or SP?

 

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Message 1 of 12
11 REPLIES
Valued Contributor

Re: Sears/Citi CLI Question

Sears isn't backed by Discover anymore?

As of 2017, rebuilding...
Message 2 of 12
Frequent Contributor

Re: Sears/Citi CLI Question


maiden_girl wrote:

Sears isn't backed by Discover anymore?


No, there are 2 lenders, Citi and HSBC (Cap One0 

 

 

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Message 3 of 12
Valued Contributor

Re: Sears/Citi CLI Question

I don't think it would hurt to call for and ask for a CLI. Be sure if it is a HP or a SP if it concerns you.

As of 2017, rebuilding...
Message 4 of 12
Valued Contributor

Re: Sears/Citi CLI Question


maiden_girl wrote:

Sears isn't backed by Discover anymore?


You are about ten years late, lol.

Message 5 of 12
Valued Contributor

Re: Sears/Citi CLI Question


navigatethis12 wrote:

maiden_girl wrote:

Sears isn't backed by Discover anymore?


You are about ten years late, lol.


I hate Sears. Last time I shopped there, their card was backed by Discover...guess it's been awhile. LOL.

As of 2017, rebuilding...
Message 6 of 12
Valued Contributor

Re: Sears/Citi CLI Question


maiden_girl wrote:


I hate Sears. Last time I shopped there, their card was backed by Discover...guess it's been awhile. LOL.


I hate them too, haha. They are one of my parent's oldest cards though, so I have heard a lot about them. I have never actually been in one by my own free will.

Message 7 of 12
Frequent Contributor

Re: Sears/Citi CLI Question


navigatethis12 wrote:

maiden_girl wrote:


I hate Sears. Last time I shopped there, their card was backed by Discover...guess it's been awhile. LOL.


I hate them too, haha. They are one of my parent's oldest cards though, so I have heard a lot about them. I have never actually been in one by my own free will.


I bought some appliances there for the new house. Everything went well, got the card so I figure no reason not to grow it. Just dont want to take a HP for it.

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Message 8 of 12
Contributor

Re: Sears/Citi CLI Question

I haven't requested CLIs since my account is only a month old, but from what I was told they will HP unless it is an auto CLI (SP if it is). They even HP when I added my wife as an AU and the CSR told me that removing and adding a new AU will result in a new HP so beware.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries
Message 9 of 12
Regular Contributor

Re: Sears/Citi CLI Question

Citi is always HP when customer requests it on all their cards, not just cobranded

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Message 10 of 12