topic Re: Citi Wayfair CLI in Credit Card Applications

Citi Wayfair CLI

Anonymous — Mon, 01 Mar 2021 03:51:35 GMT

Well shoot, this is not what I expected. I opened a new Citi Wayfair CC around 11/20 for $3K. My original card closed under Comenity Bank like everyone else. (never used it.). I decided to try the CLI button thinking it would be a soft pull. NOPE. I was instantly approved $9K. After doing so, I rushed and updated all locks/ freezes right away for each CRA. The next day even with my EQ freeze I got a notification there was hard inquiry. Wouldn't this happen the same day as the CLI request? I'm disputing it now or will try and see if they can use the pull for the Citi Double Rewards card in which I would actually use. (Citicards and Citi Wayfair (retail section) are two seperate departments.. so not likely.) Uggh, that feeling you get, though, when you burn a pull for really nothing.

Re: Citi Wayfair CLI

AllZero — Mon, 01 Mar 2021 03:56:47 GMT

Congratulations on your approval or CLI!?

Re: Citi Wayfair CLI

FinStar — Mon, 01 Mar 2021 03:51:38 GMT

One thing to keep in mind is that sometimes a freeze may not have taken effect as quickly as expected. That said, it's pretty typical for most Citi Retail (non-core) CCs to HP for any CLI requests. So, if requesting a CLI, you're providing permissible purpose for the request.

And, correct, Citi Retail is a separate division from Citi legacy, so that HP cannot be repurposed for the Double Cash CC.

Re: Citi Wayfair CLI

FinStar — Mon, 01 Mar 2021 03:53:38 GMT

@AllZero wrote:
Congratulations on your CLI!

It doesn't sound like the OP was approved for the CLI, but the account itself was for $9K. Perhaps @Anonymous can clarify.

Re: Citi Wayfair CLI

AllZero — Mon, 01 Mar 2021 03:56:23 GMT

@FinStar wrote:
@AllZero wrote:
Congratulations on your CLI!
It doesn't sound like the OP was approved for the CLI, but the account itself was for $9K. Perhaps @Anonymous can clarify.

Duly noted. IIRC submit first, make corrections later.

Re: Citi Wayfair CLI

M_Smart007 — Mon, 01 Mar 2021 04:03:21 GMT

Congratulations!