Chase's policy is that every single customer-request CLI is a hard pull, regardless of success or failure.

And as for Citi, I don't know. I won't get the denial letter for another week or so, but they said they referenced information from my Equifax credit report in determining my denial. I should have taken a screenshot, I think.. bleh.

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EaglesFan2006 wrote:
We're you at 6 months?

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Yup. More like 9-10 months, actually.

I applied late January/early February for my Citi Dividend.

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DarkScythe wrote:

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EaglesFan2006 wrote:
We're you at 6 months?

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Yup. More like 9-10 months, actually.

I applied late January/early February for my Citi Dividend.

 

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There seems to be conflicting things from Citi...I asked them today about the website pull, and the guy told me that they don't know if its a soft inquiry or a hard inquiry untl its submitted.  If they give you a "preapproved amount" then its a soft, but if you get the "we'll let you know in 30 minutes" it will be hard, and I'm assuming a denial as well.  So now i'm nervous about the love button.  I read somewhere else that some people received an email saying they were eligible, and others said they saw it pop on their main account page.  I don't know how true that is, but i'm a little weary.  I might just avoid the whole thing and wait and see if an auto CLI ever happens...I don't want to ask for a certain amount taht isn't preapproved, and then have to have a hard inquiry for nothing.

I called for an increase of 5k  at 6 mos and got it. I had the csr on the phone as she reviewed all of my citi accounts. I have 3 cc's with them as well as Home Depot and a very useless Sears card. They also upgraded my secured card to non secure and increased the cl on it too! She said that I can request a cl increase every 6 mos. Soft Pulls for me. My intial cl on the 5 k increase was 10.9k. I reallly like Citi!

So many conflicting messages...   

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babymixer wrote:

So many conflicting messages...   

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Yeah I know...its hard to know whats right!  I'm curious if people actually received a notification of ANY kind at the 6 month mark to say that they are eligbile for CLI

My 6th statement cuts tomorrow. I can let everyone know if I receive anything stating that I'm eligible and what the CSR tells me when I call in. I'd much rather confirm over the phone that it's a SP, than hit the "luv" buttom and get HP'd.