topic Re: What Banks Give Soft Pull CLI in Credit Card Applications

What Banks Give Soft Pull CLI

Anonymous — Mon, 18 Oct 2021 12:54:08 GMT

Have a citibank card and every 6 months I get a little increase in my limit via a soft pull or NO HARD PULL.

What other banks out there do soft pulls for increases becasuse its nice to have a bank grow with you and not slam your report every time you request a credit increase.

Re: What Banks Give Soft Pull CLI

FireMedic1 — Mon, 18 Oct 2021 16:08:28 GMT

Theres quite a few. The list is long. What banks are you interested in and that may help a lot.

Re: What Banks Give Soft Pull CLI

Yasselife — Mon, 18 Oct 2021 22:54:01 GMT

BoA, Amex, NFCU, Discover, Citi, Sync, Capital...Apple

Re: What Banks Give Soft Pull CLI

FireMedic1 — Mon, 18 Oct 2021 22:54:38 GMT

@Yasselife wrote:
BoA, Amex, NFCU, Discover, Citi, Sync, Capital...Apple

These were yes for me. Dont know about BoA or Citi. AMEX theres a thread on 3xCLI in 61 days. Just be prepared to submit an IRS form 4506T for income verification. Someone will verify.

Re: What Banks Give Soft Pull CLI

Wavester64 — Mon, 18 Oct 2021 22:55:03 GMT

@FireMedic1 wrote:
@Yasselife wrote:
BoA, Amex, NFCU, Discover, Citi, Sync, Capital...Apple
These were yes for me. Dont know about BoA or Citi. AMEX theres a thread on 3xCLI in 61 days. Just be prepared to submit an IRS form 4506T for income verification. Someone will verify.

BOA and Citi also do SP Cli, however Citi never gave me one (no hp every time I asked) and with BOA you have to wait until the link (Luv button) shows in your account to try, but also a SP. I cannot say if the link isn't there and you call for a CLI if that will cost you a HP, never tried that.

Re: What Banks Give Soft Pull CLI

Anonymous — Tue, 19 Oct 2021 11:03:45 GMT

GS AppleCard MC is SP CLI.

Re: What Banks Give Soft Pull CLI

coldfusion — Tue, 19 Oct 2021 11:47:35 GMT

@Wavester64 wrote:
BOA and Citi also do SP Cli, however Citi never gave me one (no hp every time I asked) and with BOA you have to wait until the link (Luv button) shows in your account to try, but also a SP. I cannot say if the link isn't there and you call for a CLI if that will cost you a HP, never tried that.

Citi will evaluate with a SP. They may come back with an increase and tell you that if you want a bigger CLI it will cost you a HP for the chance, you can choose to proceed or nope out.

You can call BoA and request a CLI at any time, and like an online request it is a SP. The "request a credit limit increase" link means that you meet the autobot's current criteria to deem you eligible to ask for a CLI, but it isn't a preapproval and there are data points that confirm they still grant CLIs when the cardholder calls in to request one when they have no link.

Re: What Banks Give Soft Pull CLI

4sallypat — Tue, 19 Oct 2021 13:32:34 GMT

Confirmed experience with SP CLI:

Comenity

Goldman Sachs (Apple Card)

Citi

US Bank

Discover

Cap 1

Synchrony

HSBC

Latest SP application for new credit: X1 Card by Thrive / Coastal Community