Best Buy CLI

[Gmoney144]

It's been a year since I was approved for the BB Visa card.  I've applied for an increase every two months and was constantly denied.  Tonight I decided to purchase a TV online. But before I purchased it, I decided to try again for an increase.  Success!  4K-14k.   Only caveat was I didn't know it was a hard inquiry.  Back to the garden......

[Brian_Earl_Spilner]

Congrats, but isn't it always a HP?

[Gmoney144]

Every time I applied for a CLI I just received a denial,there was no hard pull. Surprised that it was a hard pull once it was approved. 

[OmarGB9]

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@Gmoney144 wrote:

Every time I applied for a CLI I just received a denial,there was no hard pull. Surprised that it was a hard pull once it was approved. 

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I think you fell through the cracks. Citi Best Buy CLIs have always been HPs whether granted or denied.

[M_Smart007]

I have read of a few Citi Best Buy "SP" CLI's  .. But it is not very common.

[AverageJoesCredit]

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@OmarGB9 wrote:

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@Gmoney144 wrote:

Every time I applied for a CLI I just received a denial,there was no hard pull. Surprised that it was a hard pull once it was approved. 

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I think you fell through the cracks. Citi Best Buy CLIs have always been HPs whether granted or denied.

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I think if one had their reports locked when requesting and it cant be approved , they just get the denial letter or denial notice. If your reports are open, expect a hp because BB is not sp cli friendly. 

[TSlop]

Congrats on your CLI!

[SecretAzure]

Congrats OP! Do not worry about the HP so much. They don't matter after a year and if you've got less than 5, you're doing better than 90% of this forum!

[Anonymous]

Congrats on a nice increase! 

[JR_TX]

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@SecretAzure wrote:

Congrats OP! Do not worry about the HP so much. They don't matter after a year and if you've got less than 5, you're doing better than 90% of this forum!

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Is that 5 total on all 3 CRAs or on just 1?  🤪