? Cap One EO hard pull

[ecxpa]

I contacted the Cap One EO last week for  a CLI haven't heard anything yet from them other than a call from Ivan saying he would look at things for me.  Tonight a HP showed up on TU ..............is this what they usually do?

[dap1984va]

I would assume, if you ask for a CLI via the EO route or online it will result in a HP. That is just my assumption, asking to upgrade to Quicksilver would be a different story. But you were asking for a HP, with that move. Going through Customer Service, EO, or Credit Service asking for a CLI online over the phone or on the internet will yield similiar results.

[ecxpa]

Online cli requests have been SP for me

[dap1984va]

Just like Macys, mostly SP.. then again have been known to HP. I could go on with others. But 95% of the time, they will check the credit report... and you never really know. But going to the top of the food chain with EO, you were asking for trouble

[ecxpa]

Why do you think I am asking for trouble......seems to be a common move on this board and lots of folks her recommend going to the EO

[myjourney]

All CAP1 request are SP's 

Good luck

[Creditaddict]

WAIT... False.

Capital One does NOT do hp for cli requests especially for Executive office.

they have actually been very clear about saying this to all customers with no waivering

[Anonymous]

They did a soft pull for my upgrade / CLI request. However: before I got my upgrade, I had applied for  a QS (didn't know I could upgrade) and was instantly declined for having "too many Cap One accounts". When I mentioned it to the EO, he said they could look into that as well. He assured me it would be a SP but later underwriting did a HP. (declined btw)

I mentioned it to the EO and he was shocked and unhappy about it, because he  assured me it would be a SP. He looked into it and I forgot the reason he gave me as to why they did a HP but he felt really bad.

[John060675]

My CLI request was a SP.  I found the EO to be wonderful to work with.  Maybe if you ask kindly they will be willing to re-code the inquiry to a SP.  If they say they cannot do this, then maybe use this as a time to ask for a lower APR.  It would be worth a HP for savings in the long run.

[efranklin23]

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@ecxpa wrote:

I contacted the Cap One EO last week for  a CLI haven't heard anything yet from them other than a call from Ivan saying he would look at things for me.  Tonight a HP showed up on TU ..............is this what they usually do?

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It's not what they usually do but always expect a HP anytime you do an CLICK to avoid any surprises. Not every CSR will follow the guidelines nor will they always reverse the HP. By law they can pull an HP anytime you agree to any type of credit change so be aware.