topic Re: Does Citi DC SP CLI use score on site? in Credit Cards

Does Citi DC SP CLI use score on site?

SouthJamaica — Mon, 24 Oct 2016 22:00:12 GMT

When Citicard DoubleCash processes a soft-pull CLI request, does it use the score that's posted on the site, or does it use a freshly updated score?

Re: Does Citi DC SP CLI use score on site?

Gmood1 — Mon, 24 Oct 2016 22:39:32 GMT

I'd assume so. And when you request a HP. They pull Experian. I assume they use Bankcard scoring either way.. though I could be wrong.

Re: Does Citi DC SP CLI use score on site?

iheartwings — Mon, 24 Oct 2016 22:41:32 GMT

I think ymmv on who they pull for HP CLI. I got mine with an EQ pull last month.

Re: Does Citi DC SP CLI use score on site?

CreditMagic7 — Mon, 24 Oct 2016 23:29:34 GMT

Hi SJ.

I think a fairly accurate indicator for their SP's might be found after making the request and thereafter checking your credit reports for signs of a SP, specifically EQ?

If it's run from some internal scoring formula they use for that than a SP may not even show. Then again they "may" use both.

Very good question this poses because I don't remember it being confirmed per say like other lender's KNOWN pulls.

Re: Does Citi DC SP CLI use score on site?

Anonymous — Mon, 24 Oct 2016 23:35:35 GMT

My personal theory is that they do use the last SP. My reason for that is when I get denied each time for "too many recent accounts," it is always an instant denial with no consideration period. When I had a CO on my report, I got the same instant denial. The assumption is based on the fact that the denials stayed instant when my report went clean, but the reason changed right after the monthly SP. I'm fairly certain that 20 years from now, my DC will still be $800

Re: Does Citi DC SP CLI use score on site?

SouthJamaica — Tue, 25 Oct 2016 00:09:28 GMT

@Anonymous wrote:
My personal theory is that they do use the last SP. My reason for that is when I get denied each time for "too many recent accounts," it is always an instant denial with no consideration period. When I had a CO on my report, I got the same instant denial. The assumption is based on the fact that the denials stayed instant when my report went clean, but the reason changed right after the monthly SP. I'm fairly certain that 20 years from now, my DC will still be $800

Thanks for the thoughtful analysis, Noxqs, I'm tending to think you're right, so I'm going to wait for their next SP, when my score will be 73 points higher

But I'm fairly certain that 20 years from now, my DC will still be $2600, the same as it was when I first got the card almost 2 years ago That is if I still have the card then.

Re: Does Citi DC SP CLI use score on site?

Anonymous — Tue, 25 Oct 2016 00:32:26 GMT

@SouthJamaica wrote:
@Anonymous wrote:
My personal theory is that they do use the last SP. My reason for that is when I get denied each time for "too many recent accounts," it is always an instant denial with no consideration period. When I had a CO on my report, I got the same instant denial. The assumption is based on the fact that the denials stayed instant when my report went clean, but the reason changed right after the monthly SP. I'm fairly certain that 20 years from now, my DC will still be $800
Thanks for the thoughtful analysis, Noxqs, I'm tending to think you're right, so I'm going to wait for their next SP, when my score will be 73 points higher

But I'm fairly certain that 20 years from now, my DC will still be $2600, the same as it was when I first got the card almost 2 years ago That is if I still have the card then.

I'm crossing my fingers for you SJ! I love this card and it is one of my oldest, but the CLIs feel impossible most days! I'll be hoping after the SP too. My score is 100+ points higher than when I got it, but all I can do now is wait for them to take me out of the "too many new accounts" category.

Re: Does Citi DC SP CLI use score on site?

Gmood1 — Tue, 25 Oct 2016 00:59:37 GMT

My denial's have changed to I must wait 6 months before another CLI can be considered. It used to be too many new accounts. I'll find out next month. If I get a SP increase. I'll ask for $40k on a HP.

Re: Does Citi DC SP CLI use score on site?

AverageJoesCredit — Tue, 25 Oct 2016 01:04:10 GMT

I tend to believe, besides rewiewing your report, that score on their website plays a factor. You guys rock, only 20 years huh, in 20 years my score will find someway to stay below freezing lol so im gonna count my lucky $1200 and bow out of this game haha!!

Hey at least my fico on the website jumped a Steph Curry special to 636 this month. weeeeeeee

Re: Does Citi DC SP CLI use score on site?

SouthJamaica — Thu, 03 Nov 2016 16:30:14 GMT

I think I've pretty much answered my own question by reviewing the denial letter from my soft pull CLI request. It referred to an event which had disappeared from my Equifax report weeks before the CLI request. So it is clear to me that when I make the soft pull CLI luv button request on Citi's site, they're going to go with the old report referenced on the site as my FICO score.

So I've just got to wait for that score to update, and then I'll pull the lever again. Hopefully the soft pull language will still be there when I do.

BTW I've noticed the language "Pre-Approved Increase: $"... I never noticed that before. Has that always been there when the soft pull language was in place?

Re: Does Citi DC SP CLI use score on site?

AverageJoesCredit — Thu, 03 Nov 2016 17:36:39 GMT

Thanks for screen shot SJ, Now i know what to look for. It looks to me you may have your increase ready, though will it be 14 or 1600, only the button can say

Re: Does Citi DC SP CLI use score on site?

Anonymous — Thu, 03 Nov 2016 18:00:43 GMT

@SouthJamaica wrote:
I think I've pretty much answered my own question by reviewing the denial letter from my soft pull CLI request. It referred to an event which had disappeared from my Equifax report weeks before the CLI request. So it is clear to me that when I make the soft pull CLI luv button request on Citi's site, they're going to go with the old report referenced on the site as my FICO score.

So I've just got to wait for that score to update, and then I'll pull the lever again. Hopefully the soft pull language will still be there when I do.

BTW I've noticed the language "Pre-Approved Increase: $"... I never noticed that before. Has that always been there when the soft pull language was in place?

Now that is new! The blue line for me just says "Your account." I hope Citi doesn't make us wait too much longer for a score update like last month. I'm still showing the SP from 9/27.

Re: Does Citi DC SP CLI use score on site?

Gmood1 — Thu, 03 Nov 2016 18:25:12 GMT

Nothing showing up here either. Let's see if it shows after 180 days from the last CLI.. should be at the end of this month.

Re: Does Citi DC SP CLI use score on site?

SouthJamaica — Thu, 03 Nov 2016 18:43:19 GMT

@Anonymous wrote:
@SouthJamaica wrote:
I think I've pretty much answered my own question by reviewing the denial letter from my soft pull CLI request. It referred to an event which had disappeared from my Equifax report weeks before the CLI request. So it is clear to me that when I make the soft pull CLI luv button request on Citi's site, they're going to go with the old report referenced on the site as my FICO score.

So I've just got to wait for that score to update, and then I'll pull the lever again. Hopefully the soft pull language will still be there when I do.

BTW I've noticed the language "Pre-Approved Increase: $"... I never noticed that before. Has that always been there when the soft pull language was in place?

Now that is new! The blue line for me just says "Your account." I hope Citi doesn't make us wait too much longer for a score update like last month. I'm still showing the SP from 9/27.

Mine is also from 9/27. I wouldn't be surprised if they do make us wait too much longer.

Re: Does Citi DC SP CLI use score on site?

SouthJamaica — Thu, 03 Nov 2016 18:44:58 GMT

@Gmood1 wrote:
Nothing showing up here either. Let's see if it shows after 180 days from the last CLI.. should be at the end of this month.

Wow, so I guess it is a message that they're ready to give me something finally.

But I don't know if they've already gotten the new soft pull, or if I need to wait until the score on the site is updated.

Re: Does Citi DC SP CLI use score on site?

Gmood1 — Thu, 03 Nov 2016 20:38:42 GMT

Last AR for me was 10/11.

Re: Does Citi DC SP CLI use score on site?

Anonymous — Thu, 03 Nov 2016 22:49:46 GMT

@SouthJamaica wrote:
@Gmood1 wrote:
Nothing showing up here either. Let's see if it shows after 180 days from the last CLI.. should be at the end of this month.
Wow, so I guess it is a message that they're ready to give me something finally.

But I don't know if they've already gotten the new soft pull, or if I need to wait until the score on the site is updated.

If your instinct is to wait, then I would wait. Good luck!

Re: Does Citi DC SP CLI use score on site?

SouthJamaica — Thu, 03 Nov 2016 22:53:01 GMT

@beautifulblaquepearl wrote:
@SouthJamaica wrote:
@Gmood1 wrote:
Nothing showing up here either. Let's see if it shows after 180 days from the last CLI.. should be at the end of this month.
Wow, so I guess it is a message that they're ready to give me something finally.

But I don't know if they've already gotten the new soft pull, or if I need to wait until the score on the site is updated.
If your instinct is to wait, then I would wait. Good luck!

Nah, my instinct is always to hit that lever. I'm not good at waiting.

But my brain is saying "restrain yourself"

Re: Does Citi DC SP CLI use score on site?

Anonymous — Thu, 03 Nov 2016 23:29:20 GMT

@SouthJamaica wrote:
@beautifulblaquepearl wrote:
@SouthJamaica wrote:
@Gmood1 wrote:
Nothing showing up here either. Let's see if it shows after 180 days from the last CLI.. should be at the end of this month.
Wow, so I guess it is a message that they're ready to give me something finally.

But I don't know if they've already gotten the new soft pull, or if I need to wait until the score on the site is updated.
If your instinct is to wait, then I would wait. Good luck!
Nah, my instinct is always to hit that lever. I'm not good at waiting.

But my brain is saying "restrain yourself"

Which one will win this time?

Re: Does Citi DC SP CLI use score on site?

pizza1 — Thu, 03 Nov 2016 23:40:30 GMT

@Gmood1 wrote:
My denial's have changed to I must wait 6 months before another CLI can be considered. It used to be too many new accounts. I'll find out next month. If I get a SP increase. I'll ask for $40k on a HP.

I can vouch for this .....

I tried for a CLI on my Sears MC, and was denied for "too many CLI requests with Citibank in the last 6 months"....LOL I called them and asked WTH and they said they keep track of CLI requests for their cards. she said I could try again in 6 months IF I hadnt requested within the last 6 months prior on my mastercard. I opted to just close the card in January.