topic Re: Soft pulls for CLI in Credit Cards

Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 14:32:04 GMT

I have an AMEX Blue, Navy federal, Wells Fargo, Bank Of America, Discover It, Kay's , Best Buy, Macys. And I was wondering if I can get a CLI with any of these cards with a soft pull? I already did navy federal and I got an instant offer. I was wondering if the same will happen with my other cards.

Re: Soft pulls for CLI

mongstradamus — Sun, 08 Jun 2014 14:34:18 GMT

@codehavoc wrote:
I have an AMEX Blue, Navy federal, Wells Fargo, Bank Of America, Discover It, Kay's , Best Buy, Macys. And I was wondering if I can get a CLI with any of these cards with a soft pull? I already did navy federal and I got an instant offer. I was wondering if the same will happen with my other cards.

there is 3x cli for amex 61 days after you open it, and discover IT you can try for an sp cli on the site or via phone. They will tell you if an HP is necessary. Other cards I don't know what their policy i want to say boa is an HP , I am not sure. thouugh

Re: Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 14:40:07 GMT

Ok can I do the AMEX on line also or should I just call and ask for a SP?

Re: Soft pulls for CLI

mongstradamus — Sun, 08 Jun 2014 14:45:42 GMT

@codehavoc wrote:
Ok can I do the AMEX on line also or should I just call and ask for a SP?

you can do it online it will ask you for your account number and you should be able to get result within few minutes

Re: Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 14:56:27 GMT

Ok I will try today

Re: Soft pulls for CLI

Anonymous — Sun, 08 Jun 2014 15:01:38 GMT

Macy's gave me a SP increase.

Re: Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 15:02:38 GMT

Notfancy. Did you request it online or over the phone ?

Re: Soft pulls for CLI

baller4life — Sun, 08 Jun 2014 15:29:20 GMT

BOA is usually alwas a hp

Re: Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 15:35:16 GMT

Ok I just applied for a CLI with AMEX online and went from 2000 to 6000 instantly. So far so good

Re: Soft pulls for CLI

coldnmn — Sun, 08 Jun 2014 15:38:18 GMT

@codehavoc wrote:
Ok I just applied for a CLI with AMEX online and went from 2000 to 6000 instantly. So far so good

Congrats!

Re: Soft pulls for CLI

Anonymous — Sun, 08 Jun 2014 15:39:18 GMT

@codehavoc wrote:
Notfancy. Did you request it online or over the phone ?

Hello. I requested it online, but I was sent a message to call in, and when I called, they processed it for me. I went from $300 to $2000 and he told me to call back in 2-3 months to try for another increase. Actually, your post made me realize it's been at least that long, so I sent another secure message and will wait and see what response I get.

Re: Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 15:52:47 GMT

Ok Notfancy keep us updated

Re: Soft pulls for CLI

Anonymous — Sun, 08 Jun 2014 15:57:37 GMT

@codehavoc wrote:
Ok Notfancy keep us updated

Will do.

Re: Soft pulls for CLI

codehavoc — Sun, 08 Jun 2014 16:50:10 GMT

I tried to call discover and I was told that I needed to have the CC for 3 months so I will not be able to request a CLI until Tuesday. Haha

Re: Soft pulls for CLI

randeman — Sun, 08 Jun 2014 17:09:28 GMT

Macy' claims they may do a hard pull, but based on my experience and other users on this site, no one has ever seen a CLI that resulted in a hard pull. Also, Macy's considers requested CLIs every three months.

Also, in my research on this site, I recall people saying they got bigger increases by going to the Macy's website and using their chat window. All of my requests in the past have been on the phone, except the last one. All my phone requests have been increases around $500 to $750. When I used the chat feature for the last request, I requested, and they granted, a $2,000 increase. So it may behoove you to use the chat window. Of course the fact that I have charged about $10,000 on my card and been an elite customer for the last three years may have helped as well.

Re: Soft pulls for CLI

Anonymous — Sun, 08 Jun 2014 18:40:43 GMT

I decided to call them and see what I could do and they declined me. They wanted to try and push me into opening up a major purchase line, which I don't want. They said I don't use enough of the limit that I have to justify a higher trade line.

Re: Soft pulls for CLI

Creditaddict — Sun, 08 Jun 2014 18:52:57 GMT

@codehavoc wrote:
I have an AMEX Blue, Navy federal, Wells Fargo, Bank Of America, Discover It, Kay's , Best Buy, Macys. And I was wondering if I can get a CLI with any of these cards with a soft pull? I already did navy federal and I got an instant offer. I was wondering if the same will happen with my other cards.

Navy Federal, if you have had at least 3 months you can request a CLI to $25k online and if it instantly counters that is a sp.

Wells Fargo you can call and ask if you are eligible for a sp cli

Kays you have to go into store and it's a hp usually.

best buy is usually hp on TU these days but you can request online and put in for $20k or whatever and within a couple hours if during business hours you can log in and see the new cl (they counter if not full amount)

Re: Soft pulls for CLI

ramblinggirl — Mon, 09 Jun 2014 03:35:08 GMT

Did you call and ask Macys if CLI would be a hard or soft pull?

Re: Soft pulls for CLI

Creditaddict — Mon, 09 Jun 2014 03:38:01 GMT

@ramblinggirl wrote:
Did you call and ask Macys if CLI would be a hard or soft pull?

they will always tell you hp.... Just say okay and proceed, it uses what is in the system and 97% does not need to pull credit.

I have NEVER seen a hp after approval over 5 different macys accounts and CLI's to over $10k and multiple furniture line openings... always uses credit on file but they always say hp.

Re: Soft pulls for CLI

codehavoc — Mon, 09 Jun 2014 04:05:03 GMT

I did Macy's today via chat and I asked for a 3000 CLI and they offered me 1800. So I'm guessing it was a SP because the didn't ask for my social. Or say anything about checking my credit