Best Buy Visa CLI approved but disappointed

Anonymous · ‎09-16-2021

I am supposed to be in the garden. So I am only applying for CLI's that use soft pulls only.

On all my other Citi co branded cards they only do a SP such as the Macy's AX which was approved today as well with a SP

The Best Buy Visa did a HP. As soon as I hit enter for the CLI on the Best Buy site I received an instant text message from EQ that an inquiry was just done. Citi has never said no to me so I was expecting an approval it is just the fact that I did not want any more HP's for CC's over the next two years, just HP for a new car each year.

What is done is done. Lesson learned.

Card went from $5,000 to $10,000

Just ranting here

Thanks

Mark

MartyWrite75 · ‎09-16-2021

Congratulations on your CLI!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Red1Blue · ‎09-16-2021

Congrats

Fico82 · ‎09-16-2021

Unfortunate about your hard pull . Thats why i keep my files on ice and go only for the soft pulls.

Example i just requested a cli on my us bank cash+ and while some of our fico fam here get soft pulls ymmv to others. Well i was one where it ended up being a hard pull. But since im frozen the hard pull didnt go through it was blocked and therefore no cli for me . Which is fine.

Luckily your hp wasnt for nothing and you got 5k out of it which is a nice bump .

Take care and be safe !

coreyb80 · ‎09-16-2021

Congrats on the increase!

CreditAggie · ‎09-16-2021

Congratulations on your Best Buy CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Elpadrino1 · ‎09-16-2021

Congratulations on your CLI!!

lgtwriter · ‎09-16-2021

Congrats on your cli! Some citi retail cards do hard pulls. They pulled Equifax when I got a cli on my Home Depot card last week.

cashorcharge · ‎09-16-2021

That’s terrific! Congratulations on your Best Buy CLI approval!! 👏🏼🎉🍾

CreditCuriosity · ‎09-16-2021

Congrats. With that said research helps as Best Buy will always do a HP for a cli. Use search utility on site and would of found this out different citi cards do different things and even most SP cli's such as Macy's can sometimes result in a HP. With that said HP isnt the end of the the world they are overratted imho.