topic Re: Citi unable to tell me if CLI is HP or SP... in Credit Cards

Citi unable to tell me if CLI is HP or SP...

SnackTrader — Sat, 13 Jul 2013 15:22:19 GMT

Here is the transcript of the secure message I sent Citi: (I realized my first question was too vague, but apparently my second question was unanswerable)

From: me***********************om
Subject: Credit History
Date: July 12, 2013 4:56 EST

We are unable to predict the inquiry type until we have begun the review of your request.

We regret any confusion or inconvenience.

From:
Subject: Credit History
Date: July 12, 2013 4:17 EST

My question is: will it be a hard inquiry or a soft inquiry? Thanks.

From: me***********************om
Subject: Re: Credit History
Date: July 11, 2013 9:16 EST

Dear Valued Customer:

Thank you for your inquiry.

We report information to the credit bureaus every 30 days. We are unable to comment on how the credit reporting agencies or other creditors might interpret a credit inquiry.
You are entitled to a free credit report annually from each of the following three nationwide consumer reporting agencies:

- Equifax
- Experian, and
- TransUnion

Requests for the report may be made by mail, phone, or via the Internet.

Phone Number:
1-877-322-8228

Address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Website:
https://www.annualcreditreport.com/

We are unable to predict if this will negatively impact your account or credit rating.

I hope this information was helpful.

From:
Subject: Credit History
Date: July 11, 2013 8:26 EST

When I view the Request Credit Increase page, it notes that Citi will check my credit history, as such: By submitting this form you authorize Citibank, N.A. to check your credit history. Cancel What type of credit check would be completed in this situation? Will it impact my credit score? Thanks!

Re: Citi unable to tell me if CLI is HP or SP...

navigatethis12 — Sat, 13 Jul 2013 15:31:48 GMT

Telephone representatives say the same thing. You can't talk to the underwriters, who will make the decision most likely. I believe it may depend on how much you request. More most likely will be a hard and less will most likely be a soft.

Re: Citi unable to tell me if CLI is HP or SP...

Anonymous — Sat, 13 Jul 2013 15:32:13 GMT

I think the response makes sense, even if it is annoying. I assume something like:

1) If a recent SP report is available, and it meets [several unknown conditions, probably including amount of CLI requested] they may do a SP

2) Otherwise hard

So until they look, they cannot know if it is 1 or 2.

Re: Citi unable to tell me if CLI is HP or SP...

Creditaddict — Sat, 13 Jul 2013 15:35:03 GMT

These types of responses are what make me want to hate citi and it's why the credit reform needs to be changed again... it should be flat out illegal for them to use some of the language they do because it confuses the heck out of people and really kind of points the finger to the credit report agency to really be the one that is doing the INQ and what not which is just silly.

We have a couple threads tryign to figure out if they have different screens still like they use to rather it will be a SP or a HP and the difference between CLI on Personal and Business Accounts but all I know as the business account my partner had a screen that asked how much increase and how much he made... Continue... Confirm... 7-10 Days... HP EX next day... CLI DENIED Would not have done it if knew HP

on personal side i have gotten confused at what people see if it was a SP but my partners screen has 4 steps to the CLI request you can see and I think that is HP but unsure.

In the past if it asked for amount you wanted and income that was a SP (like the business CLI screen looked like) and if you got a screen asking about job and housing, that was a HP... doesn't seem that way anymore though.

Re: Citi unable to tell me if CLI is HP or SP...

SnackTrader — Sat, 13 Jul 2013 15:35:42 GMT

Both of those answers seem much more reasonable than what the Citi CSR said. I just wish it was more clear cut. I would be willing to take HP on EQ or TU, but would prefer the SP. No one on these forums has put together the Citi policy, and they aren't very upfront about it, so requesting a CLI makes me very hesitant.

Re: Citi unable to tell me if CLI is HP or SP...

SnackTrader — Sat, 13 Jul 2013 15:37:46 GMT

CA,

I'm right there with you trying to figure this thing out and as far as I can tell, everyone has reported back here that on personal accounts they are seeing the screen asking for income and housing information. Whether or not it is an HP after that is up in the air...

Re: Citi unable to tell me if CLI is HP or SP...

GatorGuy — Sat, 13 Jul 2013 15:38:52 GMT

+1 Citi sucks

Re: Citi unable to tell me if CLI is HP or SP...

Creditaddict — Sat, 13 Jul 2013 15:39:56 GMT

I don't think requested amount has anything to do with rather they need SP or HP... in the past if CLI was available by computer it just instantly countered no matter what... I know because I helped my friend and a roommate get Citi Forward Cards and then upon hitting 4 months also helped them both request CLI (it's posted on here about 1.5 years ago... one had $4k starting and one had $6k... they both requested $10k for CLI... one went to $8400 and one to 7600... both instant and both SP's but that was back when you would see a screen with just the 2 questions so you knew it was a sp.

Re: Citi unable to tell me if CLI is HP or SP...

youngandcreditwrthy — Sat, 13 Jul 2013 15:45:37 GMT

It will most likely be a hard pull. Avoid it!

Re: Citi unable to tell me if CLI is HP or SP...

youngandcreditwrthy — Sat, 13 Jul 2013 15:46:38 GMT

They actually told me once it would be a sp and I wound up with a HP- which I disputed off my EQ report.

Re: Citi unable to tell me if CLI is HP or SP...

youngandcreditwrthy — Sat, 13 Jul 2013 15:47:49 GMT

Tell the CSR that you will get the CFPB involved LOL banks love that. ;-)

Re: Citi unable to tell me if CLI is HP or SP...

CBTS — Sat, 13 Jul 2013 16:01:28 GMT

@GatorGuy wrote:
+1 Citi sucks

+2. Their Customer Service sucks harder.

Re: Citi unable to tell me if CLI is HP or SP...

youngandcreditwrthy — Sat, 13 Jul 2013 16:10:44 GMT

Haha I've never heard of something sucking "harder"
:-0

But you are 110% correct in that assessment ternify! No wonder they have some of the best sign up offers! No one would bank w them otherwise! Lol

Re: Citi unable to tell me if CLI is HP or SP...

GatorGuy — Sat, 13 Jul 2013 16:13:03 GMT

@youngandcreditwrthy wrote:
Haha I've never heard of something sucking "harder"
:-0

But you are 110% correct in that assessment ternify! No wonder they have some of the best sign up offers! No one would bank w them otherwise! Lol

Hahaha, there is normal suckage and then there is 'Dyson' suckage.

Re: Citi unable to tell me if CLI is HP or SP...

youngandcreditwrthy — Sat, 13 Jul 2013 16:14:48 GMT

Bahahhahahaha@gatorguy! 'Dyson suckage'

Re: Citi unable to tell me if CLI is HP or SP...

CBTS — Sat, 13 Jul 2013 16:50:51 GMT

LMAO @ "Dyson suckage"

Re: Citi unable to tell me if CLI is HP or SP...

Open123 — Sat, 13 Jul 2013 16:54:46 GMT

LMAO...this thread is denigrating at a breakneck speed.

Re: Citi unable to tell me if CLI is HP or SP...

Anonymous — Sat, 13 Jul 2013 16:58:22 GMT

With the way things are, Citi's EO is going to become just like Cap1's EO.

Re: Citi unable to tell me if CLI is HP or SP...

SnackTrader — Sat, 13 Jul 2013 23:52:21 GMT

Who thinks I should just go for it to add a data point for everyone?

Let the polling begin!

Re: Citi unable to tell me if CLI is HP or SP...

youngandcreditwrthy — Sat, 13 Jul 2013 23:56:03 GMT

DO IT! But I say that out of sheer remorse haha for that mypoints visa :-/