So I finally got tired of this relatively low CL card and finally sprung for a CLI. They want to do a hard inquiry even though they'll give you a brand new card for a soft inquiry. But I don't want a new account.
Anyway, at the time I requested it, I was told I would have to give the amount I want and there would be no counteroffer, as it would be a yes or no.
Credit limit was $2000 I asked for $12,000. Couple days later I get a call saying I need to go into a branch with my ID because they didn't have a copy on file and to direct them to send it to the credit card department.
So I went to the branch, they had no idea what I was talking about. Ended up calling the number on the back of my credit card and they advised that the branch just needed to update the expiration date of my ID.
The branch employee complied and I told them it was done. (By the way, the CSR then told me counteroffers were possible and CLIs are in increments of 500.)
I drove down the road and got an alert that my credit was pulled again a second time. I was not amused.
So I called in and begin the horror and nightmare of trying to get the second hard inquiry recoded to a soft inquiry. First they say I need to dispute it with the bureau, then I got to go into a branch and fill out a whole Lotta paperwork.
NO! I said no you made the error, you have the responsibility to fix it. I already know how this works. Went through it for eight months last year with you.
I believe I wrote a similar post about a year ago when they did a unauthorized HP and promised to recode it over and over again, until I stayed on them for about eight months when it finally was fixed.
Anyway the good news is the CLI was approved. Yay! Bad news is I have two HPs and I had planned to go for another with a lender that pulls the same bureau, so now I'm kind of screwed, thanks to BBT again.
Should take less than 30 days to fix the error, but last year it took probably eight months and going through the executive office. 😩
Just another reason why I do not like the FI. The customer service is terrible even if the card structures might be ok.
hopefully it will change for the better as they transition to Truist.
Congratulations on the CLI.
The double pulls suck I know. But certainly not the end of the world.
I've had this happen with several lenders.
Your credit profile looks strong. IME, that extra inq won't have any bearing on your next app.
If they deny you for duplicate inqs. They were going to deny you any way.
Just not worth wasting time or sleep over IMHO.
I've played with a few prequals over the last couple of days.
Even with double digit inqs on the reports those lenders pull.
I still pre-qualified for the best rates, two banks out of the three I tested.
Inqs just don't hold the weight, that a lot of folks have been led to believe.
Thanks for the heads up
Wow what a difficult experience, glad you got something out of it at least.
but it still ticks me off. Lol.
Well they are a different Bird as far as my banking experience is concerned, but I'd rather have 2 hp's for $12k than the smooth move of Cap1 Triple pull for $500. I have 9 hp's from Cap1 total that doesn't amt. to your $12k...tsk tsk.....so to me a celebration is in order. CONGRATS! Also, thank you for sharing cuz you taught us something about the process with this special(?) Bank.