topic Re: CLI Question in Credit Cards

CLI Question

Anonymous — Mon, 27 Jun 2011 02:02:11 GMT

I had a quick question, i want to request a cli on my citi hilton honors card. I have a security freeze on all my credit reports does that mean they cant pull credit report when i request a cli online?

Re: CLI Question

clocktick — Mon, 27 Jun 2011 02:03:59 GMT

They can because you're already a cardmember of Citi.

Edited to add: Do you know if Citi does a hard or soft?

Re: CLI Question

DI — Mon, 27 Jun 2011 02:05:45 GMT

@Anonymous wrote:
I had a quick question, i want to request a cli on my citi hilton honors card. I have a security freeze on all my credit reports does that mean they cant pull credit report when i request a cli online?

They can only pull a soft report. If they require hard pulls for CLIs, they're not going to approve you for customer initiated CLI.

Re: CLI Question

Anonymous — Mon, 27 Jun 2011 02:10:18 GMT

What do you mean? If they dont approve me right away and once they send it to the credit department are they going to be able to pull a credit report even though it is frozen?

Re: CLI Question

DI — Mon, 27 Jun 2011 02:15:17 GMT

@Anonymous wrote:
What do you mean? If they dont approve me right away and once they send it to the credit department are they going to be able to pull a credit report even though it is frozen?

Even though you already do business with them, by you having a freeze on your report(s), they won't be able to make a hard pull. The system will only allow them a soft pull. If their policy allow CLI approvals based on soft inquiries fine. But if their policy require a hard pull for a customer initiated CLI, they won't approve you.

Re: CLI Question

slarano — Mon, 27 Jun 2011 04:13:38 GMT

Hmm, I recently got a CLI (user initiated) from Citi, and they didn't have to do a hard or soft pull to accept the increase. Of course, YMMV, so good luck!

Re: CLI Question

mark925 — Mon, 27 Jun 2011 05:54:15 GMT

What I've done before that you can do is call up and say you're inquiring about getting a CLI on your account. Make sure you tell them though that if it's going to be a hard pull that you do not want to go through with it. After giving them your income, the sytem will tell the rep if you have a preapproved increase in the system. If you do, take it and you're done with no pull done. If not, it would require a hard pull. At that point just tell them, no thanks and that's it.