citi best buy. hard pull cli?

[Mike360]

Used to be soft pull for CLI before it switched to Citi. Now it's a HP on EQ atleast in my area. I got a increase from $7,500 to $10,000 2 weeks ago.

[BUN]

I'm in NorCal and they pulled EQ hard pull knocked me out of the garden...

[Klesko]

MY BBYMC was stuck at $750 for years, I was about to close it. I tried one last CLI and they bumped me to 11k. 

From what I have read this is not the norm, but now it will stay around with me for a while. 

[red259]

For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

[DiabolicallyRandom]

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@red259 wrote:

For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

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Their store cards generally pull transunion for a cli. Thats been my experience at least.

[Anonymous]

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@red259 wrote:

For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

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HP for all their store branded cards.

[red259]

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@MstrPTato wrote:

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@red259 wrote:

For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

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HP for all their store branded cards.

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What about their non-store cards? For example the Hilton reserve is that a HP too? 

[DiabolicallyRandom]

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@red259 wrote:

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@MstrPTato wrote:

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@red259 wrote:

For some reason I thought citi was a SP on a CLI request. Is it a HP for all citi cards or only best buy?

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HP for all their store branded cards.

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What about their non-store cards? For example the Hilton reserve is that a HP too? 

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I cant say from my own personal experience because I just got my first citi non store card, but I have read that they can be good for soft cli's every six months.

[taxi818]

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@BearsAndTurtlesRtheBest wrote:

Out of all Citi CCs Best Buy has been the worst, my dad has had the card since 2008 and they havent ganted him a CLI its taken 3 HPS and nothing, so its getting closed out next month once remaining balance is paid off.

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Yeah. But citi did not take over until September 2013. So how could they be the issue since 2008. It amazing. So it's their issue no cli in 5 previous years. Yes it's best to close. Really if it's that old gold card MasterCard with the 59 AF. It would never grow. I'm sure after you closed and got a new one. It would be 10 tines the amount. 

[DaveInAZ]

Best Buy MC was my first unsecured CC after BK7, from HSBC in 10/11, but with a paltry $500 CL & $60AF. When Cap One took it over they raised the CL to $1k over the phone, no CLI under Citi. In October I called and asked if they could waive the $59AF due in Nov.; rep said "No, the MC always has an AF", and said if I wanted to avoid the AF I should apply for the store card. I was leery of applying for credit with Citi, as they were my 2nd biggest creditor in my BK7. .I average around $100 in annual RZ certificates so that more than covers the AF, but with only $1k CL I often had to pay it down before the statement so it doesn't report more than 10% util.  So I decided to request a CLI to $2k, and if they denied it I was going to consider closing it. Requested the CLI through the account website and got an email w/approval in less than an hour. And yes, it was a hard pull.

I like the card. I spend $3500+/yr. so that I have Elite Plus status - free express shipping w/no $$$ order limit, plus bonus points on BB purchases. I used to pay Amazon Prime for that. Recent BB purchases were 2 LED bulbs for $5 after RZ certs, and a Smart power strip that has a "control" socket for things like a TV that when you turn if off the strip turns off the power for 4 sockets, shutting off the standby power that the receiver and Blu-ray/DVD players consume, got for only $15 after RZ certs.