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I have 2 citi accounts - a diamond that is 12 months old a citi bank pro account.
When looking at the accounts online in the request a CLI section. On my diamond account it says a credit report will not be used and on my pro account that I have had for 8 years it says a credit report will be used.
I am at the 6-month mark on my diamond and wanted to request a CLI , but not if its a hard pull. Is it better to request online or over the phone with them?
Exactly what the verbiage on the account said. One account will be a softpull and the other will be a hard pull and it doesn't matter if the request is made online or via phone.