topic Re: Citi in Credit Cards

Citi

Anonymous — Fri, 13 Jun 2008 03:12:38 GMT

Hi,

I got my citi card in march for cl2800 i have others at 10000,6200,6000 etc...I pushed the love button online today it said to call customer service didnt say anything else...so i thought why not... Called them they asked me my HHI and asked how much I was looking for I told them hadnt really thought about an amount but said well lets try for 6k maybe I can do a balance transfer from one of my other cards. He said ok then said to call back in 30 min to see if it was processed. Anyone else had this happen? This seems kind of weird. Was it approved yes or no? Also he did not say anything about pulling my credit or anything like that...

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:14:13 GMT

Very strange. I've never heard of that procedure with Citi CLI before.

Once you know the outcome, please update here and let us know what happens and whether they pulled a hard inquiry.

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:15:03 GMT

Hmmmmmmm dont be scared call back!!!!

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:15:06 GMT

Yeah I will update as soon as I know anything...

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:17:16 GMT

How long will it take for the hard pull to show up if they did one? If I pulled the report in like 20 min would it show?

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:18:59 GMT

kvdss wrote:

How long will it take for the hard pull to show up if they did one? If I pulled the report in like 20 min would it show?

Yes, inquiries appear virtually instantly.

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:19:33 GMT

took 5 minutes then i logged on to online and saw it was approved now when should i pull my report to find out if they did a hard pull

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:35:59 GMT

Yes they did a hard pull can I dispute it since they didnt tell me they were going to?

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:43:54 GMT

kvdss wrote:

Yes they did a hard pull can I dispute it since they didnt tell me they were going to?

No, you can't dispute it. It's a legitimate inquiry. They have permissible purpose, because you were asking for a CLI on an existing account. That is the same as applying for new credit, and they are not required to tell you in advance.

Edit to add: Congrats, though, on the CLI!

Message Edited by cheddar on 06-12-2008 08:43 PM

Re: Citi

Anonymous — Fri, 13 Jun 2008 03:56:59 GMT

thanks ok well not a big deal my inquiries are just adding up

Re: Citi

Anonymous — Fri, 13 Jun 2008 04:03:34 GMT

kvdss wrote:

thanks ok well not a big deal my inquiries are just adding up

Who did they pull, for the record? And if you don't mind, which state are you in?

Re: Citi

Anonymous — Fri, 13 Jun 2008 04:05:27 GMT

Utah and they pulled experian both now and back in march...

Re: Citi

Anonymous — Fri, 13 Jun 2008 04:07:02 GMT

Thanks!

Re: Citi

ubermensch — Fri, 13 Jun 2008 04:10:31 GMT

Does Citi usually pull Experian? I'm in CA...

Re: Citi

Anonymous — Fri, 13 Jun 2008 04:11:45 GMT

ubermensch wrote:
Does Citi usually pull Experian? I'm in CA...

It varies by state and by product. From what I have seen they seem to pull mostly EX, but they are all over the map, and mostly unpredictable.

Re: Citi

ubermensch — Fri, 13 Jun 2008 04:21:08 GMT

@Anonymous wrote:
ubermensch wrote: Does Citi usually pull Experian? I'm in CA...
It varies by state and by product. From what I have seen they seem to pull mostly EX, but they are all over the map, and mostly unpredictable.

Well, I think that is the proverbial straw on the camels back. EX is by far my best score. I'm applying for the Citi Professional over the WaMu (who seem to pull mostly EQ) tomorrow... consumer protections be damned. Maybe I will apply for the WaMu also if Citi denies me or gives me a wussy credit line. =)

Message Edited by ubermensch on 06-12-2008 09:21 PM

Re: Citi

Anonymous — Fri, 13 Jun 2008 04:45:43 GMT

ubermensch wrote:

cheddar wrote:
ubermensch wrote: Does Citi usually pull Experian? I'm in CA...

It varies by state and by product. From what I have seen they seem to pull mostly EX, but they are all over the map, and mostly unpredictable.

Well, I think that is the proverbial straw on the camels back. EX is by far my best score. I'm applying for the Citi Professional over the WaMu (who seem to pull mostly EQ) tomorrow... consumer protections be damned. Maybe I will apply for the WaMu also if Citi denies me or gives me a wussy credit line. =)

Message Edited by ubermensch on 06-12-2008 09:21 PM

OT here by now, but for the record, I have never heard of WaMu pulling EQ. They pulled EX for me, and I have also heard of them pulling TU often, but never EQ.

Re: Citi

ubermensch — Fri, 13 Jun 2008 05:04:21 GMT

Are you on the west coast?

Re: Citi

Anonymous — Fri, 13 Jun 2008 05:09:32 GMT

ubermensch wrote:
Are you on the west coast?

No, NYC.

Re: Citi

Anonymous — Sat, 14 Jun 2008 00:05:51 GMT

When I app'd for Citi and requested a CLI both pulls were from EQ. I am in TX.

I guess it really doesn't matter OP now that you know the outcome but the same thing happened to me. However, I didn't hit the love button I called and asked for CLI and they asked me the same questions.

Congrats!!!