Citi Bank : Odd CB HP

Wavester64 · ‎09-10-2022

...unless it's not odd and I am just NOT doing my homework on here (lazy today )

My first CITI Card (Citi-Costco/2019) was a HP thru EX

My attempt for CITI Double Cash a few years ago was a HP thru EX

My attempt for CITI Custom Cash last year was a HP thru EX.

Yesterday I got a "pre-selected" mailer in the mail for the CITI Custom Cash and I decided to give it a whirl
and I was approved. I didn't get any notices that I got a HP, no emails, nothing. Today, I just happened to check Credit Karma, and it shows a HP from EQ? 🤔

I mean if I could choose, I would have wanted EQ since I haven't had an INQ on there in a long time. Just found it strange that CITI didn't pull EX once again as always.

Potential Future Cards

Closed Accounts

learningcredit54 · ‎09-10-2022

Quite odd - after 3 pulls on EX they decide to pull EQ on this one.

Has your place of residence changed since the Custom Cash? I think (i may be confused) that your state of residence matters. I am going to try and find a very useful chart on the forum that shows what report different creditors pull just out of curiosity. Glad it worked out in your favor.

Business Cards:
Amex Business Plus: 6000 // Amex Business Hilton Honors: 3000 // Amex Delta Gold: 4900 // Amex Business Platinum NPSL POT 5000 // Amex Business Gold NPSL POT 15000

Personal Cards:
Discover It Cash Back: 8000 // Chase Saphire Preferred: 5000 // Truist Enjoy Beyond: 4500 // Amex Blue Cash Preferred: 1000 // Cap1SavorOne: 2000 // Cap1 Secured Platinum: 200 // Cap1 QuiksilverOne 2000 // Citi Double Cash: 5200 // Amex Platinum NPSL POT 4000 // Amex Gold NPSL POT 1750

GOAL SCORES 750 ACROSS

coldfusion · ‎09-10-2022

It isn't unusual for them to mix things up. They've HP'd from Equifax for me before too.

My own experience is that it isn't unusual to wait more than 24 hours to get an alert of a TU or EQ hard pull. Experian pulls always trigger an immediate notification.

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Wavester64 · ‎09-10-2022

@learningcredit54 wrote:
Quite odd - after 3 pulls on EX they decide to pull EQ on this one.
Has your place of residence changed since the Custom Cash? I think (i may be confused) that your state of residence matters. I am going to try and find a very useful chart on the forum that shows what report different creditors pull just out of curiosity. Glad it worked out in your favor.

I have moved, but not during any of the applications/HPs. I have lived at the same residence for 8 years now.

Potential Future Cards

Closed Accounts