I have a Best Buy card ( one without a MC, Visa or any logo) and I want a CLI to help reduce my debt to credit ratio. I have read in the forums here that they do not hard pull but when I called and asked the woman (who could barely speak English) said they would do a hard inquiry. Which is true?
Try the button online. I didn't get a hard by doing it that way.
Thanks every one. I hit the love button and got this message:
Thank you for using Online Customer Care
In order to complete your request, we will need to speak with you to verify some of the information you provided.
Please contact us at 1-800-319-3685 immediately.
So I called and the woman I sopke with said that there would be a slight chance it would be a hard inquiry but on occasion it does go through as an automatic CLI without the hard inquiry. I got cold feet and optioned not to go for it..... blah.
I guess I will just try the love button again in a few months.