topic Re: CLI Hard or Soft? in Credit Cards

CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 00:12:27 GMT

Until about 5 minutes ago I didn't know you could call and ask for a CLI. With that knowledge, I'm going to see if I can get a CLI on my cards to help my UTL. Before I do, however, I have a few questions.

From reading a few threads, I know that AMEX is a soft pull. Does anyone know about USBANK, Citi, and Chase?

How old should an account be before I request a CLI?

Can I request a CLI of 3x every 6 months? More frequently?

Thanks!

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 05:32:59 GMT

Can't speak for those banks, but with HSBC I was informed that they "may" pull my credit. They didn't and I got an instant CLI.

Re: CLI Hard or Soft?

brian2220 — Mon, 15 Aug 2011 07:27:33 GMT

if a cli is requested from chase it is a hard pull 100% of the time

dont listen to the csr's

us bank not sure about because i am new

and citi it is 50% it might be hard or not

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 13:03:06 GMT

For me, US Bank was soft, however, the request was declined. Didn't need it but was curious. AMEX typically is soft. Customer initiated with Chase 9 out of 10 times is hard. Fie on CITI!

Re: CLI Hard or Soft?

clocktick — Mon, 15 Aug 2011 13:04:41 GMT

Yes, Amex is a soft - about 60 days after receiving the card and every 6 months thereafter you can request one.

In my experience:

Barclays - HARD

GEMB - SOFT (must show use of the card)

Citi - every 6 months, hard or soft, can request online or call

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 16:00:50 GMT

I requested a CLI with US Bank after 6 months. It was a soft. I asked for $1000 and they gave me $1,500. Just did a CLI request with Citi Diamond and and requested $1,000 and they gave me $1,000. It said on the request that your giving them permission to pull credit but after I got the screen that said I was approved it said they did not pull a hard credit report. So, it may or may not be a hard.

Re: CLI Hard or Soft?

Guava — Mon, 15 Aug 2011 16:48:07 GMT

For Citi, to make sure it's not a hard pull, you can call in to request CLI and tell the CSR to not pull your report while doing the CLI

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 17:41:54 GMT

Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied. Called the CSR to see if I could get approved for a smaller increase. She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank. All CLI with them require a hard pull.

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 17:52:18 GMT

@ptrutkowski wrote:
Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied. Called the CSR to see if I could get approved for a smaller increase. She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank. All CLI with them require a hard pull.

Sorry to hear about the no-go. Was the AMEX really a soft as expected, and does the soft expectation apply also to a luv button on line, or only to a phone request?

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 18:00:26 GMT

@Anonymous wrote:
@ptrutkowski wrote:
Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied. Called the CSR to see if I could get approved for a smaller increase. She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank. All CLI with them require a hard pull.
Sorry to hear about the no-go. Was the AMEX really a soft as expected, and does the soft expectation apply also to a luv button on line, or only to a phone request?

Is a "luv button" a link to an online CLI request? If yes, I didn't have one of those - probably because my account is only about 70 days old. While looking for that button, however, I did a search on the website and the only thing that came up was "call the number on your card to request a CLI."

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 18:19:09 GMT

@ptrutkowski wrote:
@Anonymous wrote:
@ptrutkowski wrote:
Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied. Called the CSR to see if I could get approved for a smaller increase. She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank. All CLI with them require a hard pull.
Sorry to hear about the no-go. Was the AMEX really a soft as expected, and does the soft expectation apply also to a luv button on line, or only to a phone request?

Is a "luv button" a link to an online CLI request? If yes, I didn't have one of those - probably because my account is only about 70 days old. While looking for that button, however, I did a search on the website and the only thing that came up was "call the number on your card to request a CLI."

Correct. The "button", if present, would be quite hidden, under "Profile & Account Management" > "Account Management". Mine is gone, so perhaps I need not concern myself with these things after all...

Re: CLI Hard or Soft?

p- — Mon, 15 Aug 2011 18:34:24 GMT

Chase just hit me with a hard pull for a CLI.

Re: CLI Hard or Soft?

Anonymous — Mon, 15 Aug 2011 21:54:45 GMT

@p- wrote:
Chase just hit me with a hard pull for a CLI.

Sounds like Chase and Citi aren't as friendly as AMEX when it comes to inquiries. Did you get approved at least?

Re: CLI Hard or Soft?

p- — Mon, 15 Aug 2011 21:58:09 GMT

@ptrutkowski wrote:
@p- wrote:
Chase just hit me with a hard pull for a CLI.
Sounds like Chase and Citi aren't as friendly as AMEX when it comes to inquiries. Did you get approved at least?

no...