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Hey guys,
Just wanted to let you know that I applied for a CLI a few weeks ago on both my Victoria's VIP card and my Limited card and the both hard pulled EX! On the plus side they both gave me the CLI! but I know a lot of people said they don't do hard pulls, so I just wanted to let everyone know that they did hard pull for me at least.
Thx well i know not to ask for one now.
Asking for a CLI is considered persuit of new credit which a hard pull.
@AndySoCal wrote:Asking for a CLI is considered persuit of new credit which a hard pull.
Not always, I've had CLI's from these cards and others that I asked for which were only a soft pull and NOT a hard, in fact this is my first hard pull from asking for one
Ouch! I just got a CLI on my J.Crew card a month ago; no hard. (Just checked, lol --I got scared!)
I wonder how they decide when to hard and when not??
our victoria's secret card has never done a hard pull on us. as a matter of fact, i just got a CLI today
just got a CLI from lane bryant yesterday, no hard pull, BUT they have done hard pulls 2x in the past.
my new york & company card, no hard pulls for any CLI.
CONCLUSION: TOTALLY RANDOM STUFF!!!
There is a difference between someone asking for a CLI and the creditor giving you a CLI as a part of an account review. If you asked for CLI and the creditor used the credit report from the account review yes it would be a soft pull. If the creditor gave you a CLI as a part of an account review yes it would a soft pull. I have had that happne with a couple my credit cards.
I know this is an old thread, but I'm trying not to duplicate efforts and some of my questions were already explained above... however, I have one more.
QUESTION: Is there any way to determine whether or not the creditor will do a soft or hard pull? For example, could I call them and ask first?
I would really like to avoid any hard pulls but the CLI would be great.
creditaddict is expert with wffnb. Where is / she.
I did a on-line CLI request on Eddie Bauer card after having the card 6 months. They declined without any pull at all, said account was too young.