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Valued Contributor
RockinRay
Posts: 1,935
Registered: ‎08-13-2007

Re: Thank you Best Buy

Congrats - way to jump that CL up!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011

Re: Thank you Best Buy

how do you know it's a soft pull? did the person on the other line credibly say something like "This will not be a hard inquiry, it will definitely be soft"    ?


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
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Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: Thank you Best Buy


hateAshbury wrote:

how do you know it's a soft pull? did the person on the other line credibly say something like "This will not be a hard inquiry, it will definitely be soft"    ?


from what ive read even though cap one is backing the new cards if you have the hsbc version it will always be a soft pull. but take that with a grain of salt. (it soft pulled for me when i asked for a cli in july)-but the takeover was  still in transit. 

even on that page linked to best buy it says cap one holds the account but is using the hsbc logo etc... 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
Dishpro
Posts: 116
Registered: ‎06-10-2012

Re: Thank you Best Buy

I was inspired by your post so I called for a CLI on my best buy acct. They couldn't process my request because it's their policy to allow CLI's every 6 mo.'s. My last CLI was in July. I will call back in January.
 

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Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010

Re: Thank you Best Buy

[ Edited ]

Dishpro wrote:
I was inspired by your post so I called for a CLI on my best buy acct. They couldn't process my request because it's their policy to allow CLI's every 6 mo.'s. My last CLI was in July. I will call back in January.

My credit limit increase was automated thru the account maintence tab  form "Request Credit Limit Increase". I got my card in November and in April i went from $3000 to $4500 and now in October i went to $6000. So 6 months seems about right. I have better luck with the online form cause you know right then if your approved and don't have to deal with anyone. 

 

 6 months is really good though. I've been dealing with Citi for 4 years with my Sears card and they only gave me a $200 credit limit increase WITH a hard pull.

~~In my wallet: Best Buy $7500, Dell Preferred $5500, Discover IT $4000, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, Bill Me Later $2100, CapOne Platinum $2000, Kohls $1500, Target $200

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