topic Re: citi best buy. hard pull cli? in Credit Card Applications

citi best buy. hard pull cli?

taxi818 — Sat, 03 Jan 2015 00:07:24 GMT

Hello all. im just wondering who does citi pull for a cli. im here in florida and of course who pulled data base does not list cli information. i have a best buy platinum. since last year. about 8 months paid it off. and now just bought a few things again. as the limit is so low it is barely usable. outside of best buy. not really. but 2k. just wondering who do they pull for cli. they pulled my equifax when i got the card . just like discover. but for cli. discover pulled TU. hoping this is the same. any info appreciated. thanks.

Re: citi best buy. hard pull cli?

Tszone — Sat, 03 Jan 2015 00:11:45 GMT

They pulled EQ (hard pull) 2 days ago on my best buy mastercard.

Re: citi best buy. hard pull cli?

TRC_WA — Sat, 03 Jan 2015 00:12:37 GMT

Yes it's a HP... EQ.

Got mine last week... it was worth it... $1800 CL to $3500 CL. I probably should have requested more but I've already bought all the electronics I need from Best Buy... LOL

Re: citi best buy. hard pull cli?

taxi818 — Sat, 03 Jan 2015 00:14:44 GMT

@TRC_WA wrote:
Yes it's a HP... EQ.

Got mine last week... it was worth it... $1800 CL to $3500 CL. I probably should have requested more but I've already bought all the electronics I need from Best Buy... LOL

How long have you had your card? i had just paid my computer off to zero. went in store xmas eve.

Big mistake. bought a sound bar with woofer. system. sony. 6 months same as cash. so im wondering if i should ask for cli or wait until i pay it off. which is probably best. since i only owe about 400 bucks on the thing. so eq. hmmm.

Re: citi best buy. hard pull cli?

TRC_WA — Sat, 03 Jan 2015 00:33:04 GMT

@taxi818 wrote:
How long have you had your card? i had just paid my computer off to zero. went in store xmas eve.
Big mistake. bought a sound bar with woofer. system. sony. 6 months same as cash. so im wondering if i should ask for cli or wait until i pay it off. which is probably best. since i only owe about 400 bucks on the thing. so eq. hmmm.

I think you'll be fine.

I got my card Sept. 2013... have bought 2 laptops, 2 TVs and a soundbar. All 0% deals... after 16 months I figured why not and requested the CLI. They emailed me 2 hours later and said I was approved.

Balance was $1000/$1800 and after my $200 payment yesterday it's now $800/$3500. :-)

Re: citi best buy. hard pull cli?

capitalkid — Sat, 03 Jan 2015 00:49:06 GMT

I have the Best Buy Store Card. Opened in Feb 2011. I apped for a CLI in July 2014 after a June PIF. They pulled TU. In CA. 2500 Increase.

Re: citi best buy. hard pull cli?

Anonymous — Sat, 03 Jan 2015 04:54:17 GMT

Asked for a CLI in September and they pulled Equifax for me in New Hampshire.

Re: citi best buy. hard pull cli?

BearsAndTurtlesRtheBest — Sat, 03 Jan 2015 04:58:15 GMT

Out of all Citi CCs Best Buy has been the worst, my dad has had the card since 2008 and they havent ganted him a CLI its taken 3 HPS and nothing, so its getting closed out next month once remaining balance is paid off.

Re: citi best buy. hard pull cli?

BearsAndTurtlesRtheBest — Sat, 03 Jan 2015 04:58:38 GMT

They HP TU in southern cali.

Re: citi best buy. hard pull cli?

Anonymous — Sat, 03 Jan 2015 05:01:12 GMT

I got awesome (being a store card) auto CLIs with this card but not so much when Citi took over. HSBC/Cap1 bumped me from $1000 to $3400 in about 2 years time automatically. I wanted an even number so tried for $4000 and got it. Didn't know I could go up real high and counter would be made until after I joined the forum.

Re: citi best buy. hard pull cli?

Mike360 — Sat, 03 Jan 2015 06:33:33 GMT

Used to be soft pull for CLI before it switched to Citi. Now it's a HP on EQ atleast in my area. I got a increase from $7,500 to $10,000 2 weeks ago.

Re: citi best buy. hard pull cli?

BUN — Sat, 03 Jan 2015 06:47:56 GMT

I'm in NorCal and they pulled EQ hard pull knocked me out of the garden...

Re: citi best buy. hard pull cli?

Klesko — Sun, 04 Jan 2015 03:29:19 GMT

MY BBYMC was stuck at $750 for years, I was about to close it. I tried one last CLI and they bumped me to 11k.

From what I have read this is not the norm, but now it will stay around with me for a while.

Re: citi best buy. hard pull cli?

red259 — Sun, 04 Jan 2015 06:26:12 GMT

For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

Re: citi best buy. hard pull cli?

DiabolicallyRandom — Sun, 04 Jan 2015 06:28:45 GMT

@red259 wrote:
For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

Their store cards generally pull transunion for a cli. Thats been my experience at least.

Re: citi best buy. hard pull cli?

Anonymous — Sun, 04 Jan 2015 06:37:32 GMT

@red259 wrote:
For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

HP for all their store branded cards.

Re: citi best buy. hard pull cli?

red259 — Sun, 04 Jan 2015 07:50:13 GMT

@MstrPTato wrote:
@red259 wrote:
For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?
HP for all their store branded cards.

What about their non-store cards? For example the Hilton reserve is that a HP too?

Re: citi best buy. hard pull cli?

DiabolicallyRandom — Sun, 04 Jan 2015 07:53:36 GMT

@red259 wrote:
@MstrPTato wrote:
@red259 wrote:
For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?
HP for all their store branded cards.
What about their non-store cards? For example the Hilton reserve is that a HP too?

I cant say from my own personal experience because I just got my first citi non store card, but I have read that they can be good for soft cli's every six months.

Re: citi best buy. hard pull cli?

taxi818 — Sun, 04 Jan 2015 11:15:29 GMT

@BearsAndTurtlesRtheBest wrote:
Out of all Citi CCs Best Buy has been the worst, my dad has had the card since 2008 and they havent ganted him a CLI its taken 3 HPS and nothing, so its getting closed out next month once remaining balance is paid off.

Yeah. But citi did not take over until September 2013. So how could they be the issue since 2008. It amazing. So it's their issue no cli in 5 previous years. Yes it's best to close. Really if it's that old gold card MasterCard with the 59 AF. It would never grow. I'm sure after you closed and got a new one. It would be 10 tines the amount.

Re: citi best buy. hard pull cli?

DaveInAZ — Sun, 04 Jan 2015 16:31:24 GMT

Best Buy MC was my first unsecured CC after BK7, from HSBC in 10/11, but with a paltry $500 CL & $60AF. When Cap One took it over they raised the CL to $1k over the phone, no CLI under Citi. In October I called and asked if they could waive the $59AF due in Nov.; rep said "No, the MC always has an AF", and said if I wanted to avoid the AF I should apply for the store card. I was leery of applying for credit with Citi, as they were my 2nd biggest creditor in my BK7. .I average around $100 in annual RZ certificates so that more than covers the AF, but with only $1k CL I often had to pay it down before the statement so it doesn't report more than 10% util. So I decided to request a CLI to $2k, and if they denied it I was going to consider closing it. Requested the CLI through the account website and got an email w/approval in less than an hour. And yes, it was a hard pull.

I like the card. I spend $3500+/yr. so that I have Elite Plus status - free express shipping w/no $$$ order limit, plus bonus points on BB purchases. I used to pay Amazon Prime for that. Recent BB purchases were 2 LED bulbs for $5 after RZ certs, and a Smart power strip that has a "control" socket for things like a TV that when you turn if off the strip turns off the power for 4 sockets, shutting off the standby power that the receiver and Blu-ray/DVD players consume, got for only $15 after RZ certs.