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Regular Contributor
eagles08
Posts: 220
Registered: ‎04-24-2013

What lenders do SP for CLI?

This seems to be becoming more popular!  I know AMEX loves to SP and all their requests for CLI are SP!  My Best Buy card was a SP when I requested my first CLI.  I even think KAY does SP occassionally and may grant auto CLI before purchases.  I also remember reading that some Discover and Citi CLIs are SP but I've not yet tried myself.  So, which lenders actually do SP for CLI?  Are there any like AMEX or is it sometimes a HP, sometimes SP just a YMMV thing?

Current Scores: EQ 728 FAKO PLUS CreditScore. EX 730 Lender Pull. TU - 741 FAKO PLUS CreditScore

****NPSL**********$6,000**********$4,500************$3,500*********$3,000*********$1,900***********$1,800*******$1,000****
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: What lenders do SP for CLI?

GE, except for their carecredit cards, do SP CLI as well.

 

Citi, Discover, Wells Fargo and US Bank will try to do a CLI via a SP, but if that's not possible, then a HP would be required.

 

Chase, CapOne and FIA backed products, including BofA, seems to be HP CLI 99% of the time.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Regular Contributor
broseph23
Posts: 150
Registered: ‎09-09-2012

Re: What lenders do SP for CLI?

Nordstrom does SP for CLI and upgrades
Age: 22 | FICO: TU 739, EQ 736, EX 716 | FAKO: TU 751, EX 772 | Garden: 4/14 | Total History: 3yr 11mo | AAoA: 2yr 1mo | Util: 3%
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Established Contributor
shane82388
Posts: 952
Registered: ‎07-16-2010

Re: What lenders do SP for CLI?


enharu wrote:

GE, except for their carecredit cards, do SP CLI as well.

 

Citi, Discover, Wells Fargo and US Bank will try to do a CLI via a SP, but if that's not possible, then a HP would be required.

 

Chase, CapOne and FIA backed products, including BofA, seems to be HP CLI 99% of the time.

 


Cap One does hard pulls for CLI? (that is...when they actually do them... :smileywink: )

$1200 $1250 $1250 NPSL $5300 $1350 $2537

$1750 $5000 $7500 $2416 $6500 $3000
Mega Contributor
Creditaddict
Posts: 18,977
Registered: ‎10-23-2007

Re: What lenders do SP for CLI?

Yeah I was going to say Capital One is SP's now and they don't really give them... although $500 seems to be loaded for most in the low end cards.

Macy's is almost always a SP despite them saying many times it will be HP... I don't get why reps are told to say HP but it's always taken from the SP that is already in the system and I have never seen it a HP.

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: What lenders do SP for CLI?

Oh my bad. I thought cap1 was HP from people complaining about having a new inquiry after they emailed EO for a CLI. I personally never had a cap1 card.

Macy's/Bloomingdales work the same way as citi. They were able to tell me how much CLI I could get via a SP, and if I want anything more, it will be a HP.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

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