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I just called JCPenney Customer Service line in regards to a CLI question. I've had my CC since 2001 and have not received an increase. I always pay my account on time, never late but Im still stuck @ $300 limit.. So I called to ask about it. The CSR told me that in order to get a CLI, they're gonna have to run my credit thus creating an inquiry on my CR.
I have the Luv button on my JCP account and not sure to click on it since the CSR said CLI will be based on credit worthiness?
I thought JCP/GEMB cli only does soft pull? Have they changed their policy?
Can someone please confirm this?
Thanks!
I don't have any experience with JCP, but I have been with GEMB for some time now. I have three different accounts,(Sam's club, Sam's Discover, Lowe's) get a CLI every six months, never ever a hard pull for any of them. YMMV.
Yes. I was surprised that the CSR even works there.. haha.
I will definitely speak with a supervisor.
@DeeBee18 wrote:Yes. I was surprised that the CSR even works there.. haha.
I will definitely speak with a supervisor.
From recent posts regarding GEMB CLIs on another board, the CSR may have been "sort of" right. Their policy (supposedly) now is: If you call and speak with a CSR and ask for a CLI, you'll most likely incur a hard inquiry. If you hit the website luv button, or go through the automated phone system for a CLI, most likely it will be a soft inquiry. I would not call in and talk to them. Use the automated system or luv button for your CLI. Good luck!