topic Re: First Premier CLI Question in Credit Cards

First Premier CLI Question

Anonymous — Mon, 07 Apr 2014 16:07:20 GMT

I called to check ont a CLI for my CC and they said they "MAY" do a hard pull. Does anyone know if they do a soft or hard pull? Has anyone had one recently and could answer thanks!!

Re: First Premier CLI Question

Creditaddict — Mon, 07 Apr 2014 19:16:55 GMT

@Anonymous wrote:
I called to check ont a CLI for my CC and they said they "MAY" do a hard pull. Does anyone know if they do a soft or hard pull? Has anyone had one recently and could answer thanks!!

Forget cli, how about is it time to close? What you got?!

Re: First Premier CLI Question

yudeology101 — Mon, 07 Apr 2014 19:19:20 GMT

@Creditaddict wrote:
@Anonymous wrote:
I called to check ont a CLI for my CC and they said they "MAY" do a hard pull. Does anyone know if they do a soft or hard pull? Has anyone had one recently and could answer thanks!!
Forget cli, how about is it time to close? What you got?!

+1.

FP will do a HP + raise your APR from 36% to 136%.

I'm just kidding, but I'm sure it's HP certain.

Re: First Premier CLI Question

Crisis — Mon, 07 Apr 2014 19:21:44 GMT

@Anonymous wrote:
I called to check ont a CLI for my CC and they said they "MAY" do a hard pull. Does anyone know if they do a soft or hard pull? Has anyone had one recently and could answer thanks!!

Have you read the terms and conditions? Get out. Get out as soon as you can.

Re: First Premier CLI Question

CreditRookie22 — Mon, 07 Apr 2014 19:22:07 GMT

Hp for sure

Re: First Premier CLI Question

Ragelog — Tue, 08 Apr 2014 15:01:21 GMT

I understand the hate for First Premier I bit the bullet and signed up as they were the only Credit card holder to off a unsecured card. My offer was for 700 limit with a annual fee of 75 and monthly fee of 10.50. If any other company offered an unsecured card that had the same or better limit I wouldn't have taken this offer but I wanted an unsecured line as I have 3 secured cards now 2 of which that report as secured.

My goal is use them for what they are and close it as soon as I get 1 card with a equal or higher unsecured CL. Currently I only charge 1 item per month and pay it and the monthly fee off. I am hoping to be in a position for a better card before I get hit with the annual fee if not I won't keep the card any longer than the 2 years. I can justify the expense as punishment for past mistakes.

Guarantee a hard pull for a CLI believe they also charge a fee. My suggestion use the card only as long as you need the credit line and get out as soon as you have secured better trade lines.

Any suggestions for decent cards to apply for in early 2015 waiting for a few things to fall off and my accounts to age before applying for anything.

Thank you!

Re: First Premier CLI Question

Creditaddict — Tue, 08 Apr 2014 15:04:49 GMT

with scores in lower 600's I would think you might be able to get shopping cart trick for Express, Victoria Secret, maybe even Vitacost which is MC.

GE Cards like Walmart, 76 Gas, Chevron

Barclay - they have a pre-qual to check online if you have an offer

same with capital one.