Re: Fidelity CLI SP or HP

socalchef00 · ‎02-08-2022

Anyone know if the Fidelity card is a SP or HP?

I went to apply but then small fine print right about submit mentioned they will obtain a credit report

Trying to avoid any HP's due to mortgage app coming soon, but trying to increase overall credit prior to that.

TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month

FinStar · ‎02-08-2022

It is typically HP.

In rare instances, some ELAN CCs (including Fidelity) have been known to SP. Just know that there isn't a set-in-stone policy for CLIs, so if you want to avoid a HP, then don't pull the trigger.

socalchef00 · ‎02-08-2022

Thanks.

Guess I'll wait till after then.

TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month

PullingMeSoftly · ‎02-09-2022

Definitely HP...they might be a subsidiary of US Bank, but don't act like it.

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $25,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

US Bank Cash+ Visa Sig │ $20,000 │ 5% selectable rotator

Elan Fidelity Rewards Visa Sig │ $25,000

Citi Custom Cash MC │ $21,800 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $10,000

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $66,000

PenFed Platinum Rewards Visa Sig │ $12,000

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything @ 7.49% APR

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ 5% selectable rotator

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

socalchef00 · ‎02-09-2022

Thanks

@PullingMeSoftly wrote:
Definitely HP...they might be a subsidiary of US Bank, but don't act like it.

TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month

jaxstraw · ‎02-09-2022

@PullingMeSoftly wrote:
Definitely HP...they might be a subsidiary of US Bank, but don't act like it.

Not true.

My last two CLI's on my Fidelity Visa were both SP.

The latest being last week.

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face

socalchef00 · ‎02-09-2022

@jaxstraw wrote:
@PullingMeSoftly wrote:
Definitely HP...they might be a subsidiary of US Bank, but don't act like it.
Not true.
My last two CLI's on my Fidelity Visa were both SP.
The latest being last week.

Thanks. I'll consider that....just cant risk a hard inquiry.

TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month

FinStar · ‎02-09-2022

@socalchef00 wrote:
@jaxstraw wrote:
@PullingMeSoftly wrote:
Definitely HP...they might be a subsidiary of US Bank, but don't act like it.
Not true.
My last two CLI's on my Fidelity Visa were both SP.
The latest being last week.
Thanks. I'll consider that....just cant risk a hard inquiry.

Since the majority of reported DPs indicate ELAN typically HPs for a CLI, I wouldn't risk your mortgage application. Since it's nothing pressing or of need, wait until your mortgage is approved and funded + keys in hand.

Sure, there's bound to be profiles that qualify for a SP CLI. But, the bottom line is that no one here can guarantee your results even if the above poster's results were SP for their specific profile.

Fidelity CLI SP or HP

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Fidelity CLI SP or HP