topic Re: Soft Pull or Hard Pull CLI for Cards? in Credit Cards

Soft Pull or Hard Pull CLI for Cards?

Suzette2 — Tue, 07 Jun 2022 16:53:58 GMT

So I'm throwing this one out there since I'm gardening and building up the cards I have for the time being - around 18 months of gardening since I'd like a chase card- only temptation would be PenFed or Citi if they make me an offer until then I would like. My Subprimes are no longer AF and are sock drawered with the exception of a $5-$10 eexercise purchase/PIF ever three months to keep from being cancelled and for aging (Self/$1125; Cap1 QS; $700; Avant $500; Credit One $800).

I am practicing AZEO and rotate the following with a 2-5 percent balance/PIF for the one:

My concentration for building is on the following cards (I know that Chase likes larger CL's and that is why) and I am wondering if they are a SP or HP for potential CLI's:

Care Credit (know this is a SP- just got another $1,000 - to $4,500)

Lowes (current $5,000- but just got it so I won't ask for a while)

Discover It (just got 3/22 for $1,000 and don't know when I should ask but do not want to risk a HP)

AMExBCP (3/22 for $2,000 don't know when I should ask and do not want to risk a HP)

AmExDeltPlat (5/22 for $2,000- won't ask for a while but wondering if it matters that I have the BCP)

Ann Taylor MC All Rewards ($1,500 just got but don't know Comnity at all and am not sure about their rules).

As always, thanks so much in advance. I've learned so much here and continue to learn and be humbled. Happy Tuesday, all!

Re: Soft Pull or Hard Pull CLI for Cards?

simplynoir — Tue, 07 Jun 2022 17:04:38 GMT

Care Credit - SP

Lowes - SP

Discover IT - SP but they will prompt you for permission to HP if they need it

AMEX BCP - SP

AMEX Delta Platinum - SP

Ann Taylor MC - SP but I believe there have been posts here and there on a HP being performed

Re: Soft Pull or Hard Pull CLI for Cards?

coldfusion — Tue, 07 Jun 2022 17:08:03 GMT

AMEX has a mininum 6 month policy between approving CLIs across all cards, in other words if you got a CLI on your BCP today you wouldn't be eligible to ask for one on either your BCP or your Delta Platinum card for at least until December. CLI requests are soft pulls but occasionally do trigger a 4506-C request (which can be ignored as long as you understand the CLI request will be denied).

Comenity, Synchrony, and Discover CLI requests all trigger soft pulls.

Re: Soft Pull or Hard Pull CLI for Cards?

Suzette2 — Tue, 07 Jun 2022 17:11:01 GMT

@coldfusion wrote:
AMEX has a mininum 6 month policy between approving CLIs across all cards, in other words if you got a CLI on your BCP today you wouldn't be eligible to ask for one on either your BCP or your Delta Platinum card for at least until December. CLI requests are soft pulls but occasionally do trigger a 4506-C request (which can be ignored as long as you understand the CLI request will be denied).

Comenity, Synchrony, and Discover CLI requests all trigger soft pulls.

Thanks for the info- Do you think they will just auto CLI and that it's easier to not worry about it?

Re: Soft Pull or Hard Pull CLI for Cards?

simplynoir — Tue, 07 Jun 2022 17:22:02 GMT

@Suzette2 wrote:
@coldfusion wrote:
AMEX has a mininum 6 month policy between approving CLIs across all cards, in other words if you got a CLI on your BCP today you wouldn't be eligible to ask for one on either your BCP or your Delta Platinum card for at least until December. CLI requests are soft pulls but occasionally do trigger a 4506-C request (which can be ignored as long as you understand the CLI request will be denied).

Comenity, Synchrony, and Discover CLI requests all trigger soft pulls.
Thanks for the info- Do you think they will just auto CLI and that it's easier to not worry about it?

As your credit improves and you spend enough on the card to demonstrate a need to get an increase from AMEX automatically then yes. With that said please don't attempt to put all your spend on either AMEX card in hopes of getting one. Just spend organically where it makes sense and the increases whether it's an auto CLI and/or through requests will come

Re: Soft Pull or Hard Pull CLI for Cards?

800wannabe420 — Tue, 07 Jun 2022 17:37:21 GMT

@Suzette2

When/if you get a Chase card know that all customer CLI requests will generate a HP.

Just this past Sunday I requested a CLI (6/5/2022) and I received 2 HP's (EX and TU).

This was the 2nd time I had requested a CLI and the 1st time it was a single HP (EX). Both requests were successful (2K and 1.1K)

Chase does do auto CLI but they are infrequent and you can't really count on them. I have never received one myself.

Re: Soft Pull or Hard Pull CLI for Cards?

Suzette2 — Tue, 07 Jun 2022 18:12:20 GMT

@800wannabe420 wrote:
@Suzette2
When/if you get a Chase card know that all customer CLI requests will generate a HP.
Just this past Sunday I requested a CLI (6/5/2022) and I received 2 HP's (EX and TU).
This was the 2nd time I had requested a CLI and the 1st time it was a single HP (EX). Both requests were successful (2K and 1.1K)
Chase does do auto CLI but they are infrequent and you can't really count on them. I have never received one myself.

Yikes- I did not know that!