https://ficoforums.myfico.com/t5/Credit-Cards/Citibank-CLI/m-p/523656#M166687 As long as you did not fill out a form then do not expect a hard. Nearly everyone has the same experience with Citi. Expect the luv button to disappear for about 3 months. Mon, 22 Jun 2009 02:09:01 GMT smallfry 2009-06-22T02:09:01Z https://ficoforums.myfico.com/t5/Credit-Cards/Citibank-CLI/m-p/523650#M166686 Have had my AT&T Universal Card since 9/2008. Had the love button pop up recently but was hesitant to click it. Finally did and got a CLI from $1600 to $2500. How do I know if this was hard or soft? I have scorewatch and haven't received anything from them. Mon, 22 Jun 2009 02:03:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Citibank-CLI/m-p/523650#M166686 Anonymous 2009-06-22T02:03:54Z https://ficoforums.myfico.com/t5/Credit-Cards/Citibank-CLI/m-p/523656#M166687 As long as you did not fill out a form then do not expect a hard. Nearly everyone has the same experience with Citi. Expect the luv button to disappear for about 3 months. Mon, 22 Jun 2009 02:09:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Citibank-CLI/m-p/523656#M166687 smallfry 2009-06-22T02:09:01Z