topic Re: DCU CLI.....Soft or Hard Pull? in Credit Card Applications

DCU CLI.....Soft or Hard Pull?

WhiteCollar — Fri, 04 Dec 2020 05:33:00 GMT

Hi there!

Does anyone know if DCU uses a soft or hard pull for credit line increase requests?

Thanks!

Re: DCU CLI.....Soft or Hard Pull?

AllZero — Fri, 04 Dec 2020 05:37:58 GMT

To my understanding, user request will be a HP Hard Pull.

Re: DCU CLI.....Soft or Hard Pull?

WhiteCollar — Fri, 04 Dec 2020 05:40:05 GMT

Thanks! In that case I will wait a little while longer to request.

Re: DCU CLI.....Soft or Hard Pull?

AllZero — Fri, 04 Dec 2020 05:42:27 GMT

@WhiteCollar wrote:
Thanks! In that case I will wait a little while longer to request.

You are welcome. Good luck on your credit journey.

Re: DCU CLI.....Soft or Hard Pull?

blindambition — Fri, 04 Dec 2020 07:22:57 GMT

It will be an HP on Equifax, unless you have a pre-approval in the loan center. There are quarterly offers that appear for different loan products, including CLI on cards.

Pre-approved will say Approved, take offer. That will be SP. If you don't have offer, wording just says Apply.

Re: DCU CLI.....Soft or Hard Pull?

WhiteCollar — Fri, 04 Dec 2020 19:03:59 GMT

Thanks for the additional info. I checked the website and it only says "apply". I don't need any hard pulls right now so maybe in late 2021.

Re: DCU CLI.....Soft or Hard Pull?

coldfusion — Fri, 04 Dec 2020 20:21:38 GMT

@WhiteCollar wrote:
Thanks for the additional info. I checked the website and it only says "apply". I don't need any hard pulls right now so maybe in late 2021.

Be sure to check again early next month as they normally refresh their quarterly offers in early January/April/July/October.

Re: DCU CLI.....Soft or Hard Pull?

newmomnewme — Sat, 05 Dec 2020 02:55:38 GMT

@coldfusion I opened the account in October, got the Visa Platinum and sat 1k in savings. I've used the card a couple times and PIF without reporting a balance. Is there anything else I should be doing to see the SP offers pop up?

Re: DCU CLI.....Soft or Hard Pull?

coldfusion — Sat, 05 Dec 2020 07:48:37 GMT

Not really, just keep on doing what you've been doing. I think I had been a member for about 8 months when offers started popping up.

Re: DCU CLI.....Soft or Hard Pull?

newmomnewme — Sat, 05 Dec 2020 08:30:29 GMT

@coldfusion Will do. Thanks!!