CLI Request w/ Soft Inquiry

[Anonymous]

Not sure if there is a thread of such, but typically requesting a CLI can cause a soft or hard inquiry. If this is not already a thread, I’d like to construct a list of which issuers use soft vs hard inquiries. Post up what your experience with your issuer to help others avoid those hard inquiries! Of course, if a CLI is offered, that is typically a soft pull.

Below is the compiled list along with the contributing members user name and the type of pull they experienced (if varied).

Soft:

• AMEX
• Capital One
• Discover (pulpo)
• HSBC
• Orchard
• Walmart

Hard:

• Chase
• First National Bank of Omaha (Dalmus)

Varies (Sometimes soft, sometimes hard):

• Bank of America (Aahz - HP, Benzman - HP)
• Best Buy (Loquat - HP)
• Citi
• Navy Federal Credit Union
• USAA (cam3150 - SP)
• US Bank (ABCD2199 - SP/HP)

[Anonymous]

Some data points say US bank isn’t soft for $1000/$1500 or less and hard for higher amounts.

[Aahz]

I've requested and received a half dozen Bank of America CLIs over the last three years and they've always been a hard pull.

And my Citi CLIs are usually a soft pull.

[Anonymous]

Updated.

[Dalmus]

FNBO is virtually always a hard pull for requested CLI.

[Loquat]

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@Anonymous wrote:

Not sure if there is a thread of such, but typically requesting a CLI can cause a soft or hard inquiry. If this is not already a thread, I’d like to construct a list of which issuers use soft vs hard inquiries. Post up what your experience with your issuer to help others avoid those hard inquiries! Of course, if a CLI is offered, that is typically a soft pull.

Soft:

AMEX

Best Buy

Capital One

Discover

HSBC

Orchard

Walmart

Hard:

Chase

First National Bank of Omaha

USAA

Varies (Sometimes soft, sometimes hard):

Bank of America

Citi

Navy Federal Credit Union

US Bank

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I guess it's a YMMV with Best Buy because I asked for a CLI on my Visa card with them last year and it was a HP...went from $4k to $10k but there was definitely a HP for it.  

[Anonymous]

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@Loquat wrote:

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@Anonymous wrote:

Not sure if there is a thread of such, but typically requesting a CLI can cause a soft or hard inquiry. If this is not already a thread, I’d like to construct a list of which issuers use soft vs hard inquiries. Post up what your experience with your issuer to help others avoid those hard inquiries! Of course, if a CLI is offered, that is typically a soft pull.

Soft:

AMEX

Best Buy

Capital One

Discover

HSBC

Orchard

Walmart

Hard:

Chase

First National Bank of Omaha

USAA

Varies (Sometimes soft, sometimes hard):

Bank of America

Citi

Navy Federal Credit Union

US Bank

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I guess it's a YMMV with Best Buy because I asked for a CLI on my Visa card with them last year and it was a HP...went from $4k to $10k but there was definitely a HP for it.  

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Thanks for the input, main post updated to reflect.

[Benzman]

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@Aahz wrote:

I've requested and received a half dozen Bank of America CLIs over the last three years and they've always been a hard pull.

And my Citi CLIs are usually a soft pull.

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True on both for me as well.

[Anonymous]

Updated with user id of members experiences that they post. This should allow new post readers to determine validity and chance of SP/HP. Keep the experiences coming!

[Anonymous]

Post has been released from the spam quarentine, keep those CLI inputs coming.