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Does Macy's do a hard pull for CLI request

Rebuild2022
Super Contributor

Does Macy's do a hard pull for CLI request

I have Macy's card for years. I pulled the trigger for CLI. I got a message they will notify in 7-14 days. Probably I'll not get increase. Will they do hard pull for this request ?

Gardening since 08/2020
Message 1 of 9
8 REPLIES 8
simplynoir
Community Leader
Super Contributor

Re: Does Macy's do a hard pull for CLI request

No HP for a Macy's CLI request.

Message 2 of 9
Remedios
Moderator

Re: Does Macy's do a hard pull for CLI request

Most of the time it's  SP  but as with everything credit related YMMV is always in play. 

 

Unfortunately, it does sound like a denial. 

 

 

Message 3 of 9
Rebuild2022
Super Contributor

Re: Does Macy's do a hard pull for CLI request

I think it is a denial also. I had couple of other Citi cards in charge off and this card is issued by Citi also. I am surprised they did not cancel the card. They did CLD to $100 and left it like that. I might as well start making small charges on the card and start showing some activity.

Gardening since 08/2020
Message 4 of 9
FinStar
Moderator

Re: Does Macy's do a hard pull for CLI request

What was the previous CL before the CLD?   Usually, anything above $25K may require a HP, but for the most part it's usually SP.

Message 5 of 9
Rebuild2022
Super Contributor

Re: Does Macy's do a hard pull for CLI request

I dont remember the exact amount before the CLD. I think it is about $3k or so. Now it is at $100. Should I keep using and make ontime payments ?

Gardening since 08/2020
Message 6 of 9
FinStar
Moderator

Re: Does Macy's do a hard pull for CLI request


@Rebuild2022 wrote:

I dont remember the exact amount before the CLD. I think it is about $3k or so. Now it is at $100. Should I keep using and make ontime payments ?


Personally, I would.  Especially if it's an older tradeline and you can find some use for it - it can grow back up again.  Otherwise, if you feel it may no longer suit your needs you can entertain closing it.   Do you recall whether the CLD was the result of inactivity or some other reason?

Message 7 of 9
Rebuild2022
Super Contributor

Re: Does Macy's do a hard pull for CLI request

It was not due to inacivity. I think some company reported slow payment and then Citi started CLD. I did not even realize the account is still open. I stopped using once they CLD to $100. I might as well start using it again and put small charges and pay it off on time.

Gardening since 08/2020
Message 8 of 9
J-F168
Frequent Contributor

Re: Does Macy's do a hard pull for CLI request

For me is alaways SP every month

EX 713 - EQ 700 - TU 715
BK 7 D/C Dec '16.
Message 9 of 9
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