Since when does Macy's Hard Pull for a CLI??(((UPDATE)))

[BearsAndTurtlesRtheBest]

great !! keep us posted!

[solstice00]

I called two weeks ago.

She asked me how much am I looking for. I said twice the amount.

She said that its done and i ll see it in my next bill.No questions asked or anything

I was shocked because it didn't look like she pulled anything. Kinda like she typed the credit limit. It was over in 10 seconds.

This month's bill did have the credit limit increase. And no hard pull.

The entire episode was weird.

[enharu]

i think it really depends who you talk to.

the time it takes to reach a live operator + chances of getting useful help makes me dread calling them. my experiences thus far have been terrible.

[FinStar]

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@Fresh-Start wrote:

I am so annoyed right now. I called Macy's for a CLI and the entire conversation was a HUGE HEADACHE!  First the CS Rep said Did you know we JUST increased your CL?? So I thought?  HUH??  No, the last increase I recieved was back in September and I don't consider that "Just received a CLI"...so she checked and so."Oh"  So then she went through to ask  me the normal questions....Income, last 4 of your social security etc... then she said, Okay do I have your permission to pull your credit?  So I said What? I thought CLI's were SP's??  This is the kicker right here....She said "Honey, there is NO SUCH THING as a Soft Pull."  I said, Yes there is.  Now if Macy's changed their CLI process FINE, but it "Used" to be soft pull.  She said again..."I don't know what your talking about....there is no such thing as a Soft Pull"  then she proceeded to "School" me about when you apply for credit we have to pull credit etc... I said MAME pardon me...I am quite aware of how credit works, and the last two Increases I received from Macy's were soft pulls, meaning there was NO inquiry on my credit.  She said once again, Macy's has ALWAYS done Hard pulls for everything."  UGH!!!.

So it was obvious to me our conversation was not going anywhere so I said, NO, I do not want a hard pull so please disregard the request for increase.  She said " HUH?  You don't want the increase??"  I said YES I want the increase but I don't want the inquiry!" LOL!!!!!!!

So is she correct??  Macy's does hard pulls NOW?  Or should I call back in to talk to another Rep? LOL!!

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It varies.  DSNB, the private label arm of Citibank, does the primary underwriting for Macy's and Bloomingdale's CC accounts and they pretty much follow Citi's underwriting guidelines to the extent of their private label portfolio.  Therefore, for any individual-initiated CLIs, if your account is elegible and qualifies it will be a SP.

If your account is not elegible under the SP conditions, then it will be a HP.  Keep in mind, you can argue back-and-forth with the CSRs on what was said or what you've read or heard - granted, not all CSRs may be well-informed of the CLI guidelines.  Bottom line, always assume it will be a HP.  You are giving permissible purpose to review your credit file for any extension of unsecured credit, for which DSNB reserves the right to HP. 

[enharu]

so DSNB = CITIBANK?! or is it like a separate company / subsidiary?

are they using the same phone staff? If so, there's no way in hell I'm ever going to apply for a Citi card until the service improves.

[FinStar]

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@enharu wrote:

so DSNB = CITIBANK?! or is it like a separate company / subsidiary?

are they using the same phone staff? If so, there's no way in hell I'm ever going to apply for a Citi card until the service improves.

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DSNB = Department Stores National Bank (Citigroup subsidiary/private label bank) is based in Cincinnati, OH.  Other Citi Card products are serviced separately under their own umbrella in various geographic locations across the U.S.

Personally, I have not had any negative experiences with either Citibank or DSNB.  I currently have about 8 different products with Citigroup (Macy's AMEX Preferred & Store, Bloomingdale's AMEX Reserve & Store, Citi AAdvantage AMEX, Citi Dividend World EMV MC, Citi Sears MC, Home Depot CC).

[dodfire]

The last time that I increased my Macys card the rep told me this.....

If I wanted to increase it to what the system generates for me it would be a SP

If I wanted to request a certain amount that it would be a HP

I told them that I would accept whatever they wanted me to have and it was increased from $500 to $1200

[enharu]

is there a frequency of CLI increases? Like every 3 months?
I'll give them a chance when I'm free sometime this weekend

[Fresh-Start]

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@FinStar wrote:

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@Fresh-Start wrote:

I am so annoyed right now. I called Macy's for a CLI and the entire conversation was a HUGE HEADACHE!  First the CS Rep said Did you know we JUST increased your CL?? So I thought?  HUH??  No, the last increase I recieved was back in September and I don't consider that "Just received a CLI"...so she checked and so."Oh"  So then she went through to ask  me the normal questions....Income, last 4 of your social security etc... then she said, Okay do I have your permission to pull your credit?  So I said What? I thought CLI's were SP's??  This is the kicker right here....She said "Honey, there is NO SUCH THING as a Soft Pull."  I said, Yes there is.  Now if Macy's changed their CLI process FINE, but it "Used" to be soft pull.  She said again..."I don't know what your talking about....there is no such thing as a Soft Pull"  then she proceeded to "School" me about when you apply for credit we have to pull credit etc... I said MAME pardon me...I am quite aware of how credit works, and the last two Increases I received from Macy's were soft pulls, meaning there was NO inquiry on my credit.  She said once again, Macy's has ALWAYS done Hard pulls for everything."  UGH!!!.

So it was obvious to me our conversation was not going anywhere so I said, NO, I do not want a hard pull so please disregard the request for increase.  She said " HUH?  You don't want the increase??"  I said YES I want the increase but I don't want the inquiry!" LOL!!!!!!!

So is she correct??  Macy's does hard pulls NOW?  Or should I call back in to talk to another Rep? LOL!!

---

It varies.  DSNB, the private label arm of Citibank, does the primary underwriting for Macy's and Bloomingdale's CC accounts and they pretty much follow Citi's underwriting guidelines to the extent of their private label portfolio.  Therefore, for any individual-initiated CLIs, if your account is elegible and qualifies it will be a SP.

If your account is not elegible under the SP conditions, then it will be a HP.  Keep in mind, you can argue back-and-forth with the CSRs on what was said or what you've read or heard - granted, not all CSRs may be well-informed of the CLI guidelines.  Bottom line, always assume it will be a HP.  You are giving permissible purpose to review your credit file for any extension of unsecured credit, for which DSNB reserves the right to HP. 

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I am well aware that companies have the right to Hard Pull; however, in my experience and many others, that has not been Macy's normal process for CLIs.  If Macy's now HP's for CLI's that is fine, as I am well aware that is their right; however,  I was just wondering when it started since that had not been my experience with them in the past.  I was not arguing with the Rep to get her to do a SP. The bottom line to the entire post was that the CSR said that  Macy's ALWAYS Hard Pulled and there was NO Such thing as a Soft Pull.....this is NOT correct.  That was the point of my main confustion with this CSR.   So I am not going to always "assume" it will be a Hard Pull when that may not be that companies particular practice.  

[Fresh-Start]

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@dodfire wrote:

The last time that I increased my Macys card the rep told me this.....

If I wanted to increase it to what the system generates for me it would be a SP

If I wanted to request a certain amount that it would be a HP

I told them that I would accept whatever they wanted me to have and it was increased from $500 to $1200

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Sounds like the process changes with whomever you get on the phone! LOL!  But I'm glad you got your CLI!  My CSR said Macy's ALWAYS hard pulls. She said nothing about me not qualifying for a soft pull so if I wanted to move forwad it woud have to be a hard pull.  I've never been told anything like that.  It's always been yes your approved for the CLI or No we can't increase your limit at this time. 

I'm calling back today to see what I hear...lol