Capital One and Hard pulls for CLI?

[Anonymous]

I thought cap one did soft pulls when you asked for an increase?  I just pulled my yearly TU and found two hard pulls from them.  I have two cards and asked for CLI on both of them at seperate times.  I didn't know those generated a HP.  I had read everywhere it was a SP.  Anyone know whats up?

[OmarGB9]

Never heard of an HP for CLI. Are you sure they're hardpulls?

[OmarGB9]

Also cap1 doesn't even use TU for anything other than initial approval (along with the other two bureaus).

[Anonymous]

That is what I thought.  But, they are there.  Sure as day.  Two pulls... one from each.  I asked for a CLI in july for my QS and one for my Sony Card in Sept.  They approved them both.. increasing my limit on QS to 3500 and sony to 2500.  I was just surprised.  I think I've looked at it 10 times and trying to figure this out.  I am... speechless...

[Anonymous]

The hard pulls are from the co-branded (sony) card...NOT the regular Cap One card.....Cap one will always sp you for a cli...but the co-branded (sony...gm...etc) will almost always HP you.

Sorry...  Good Luck

Gregg

[Anonymous]

So the HP pull is from sony.  But the other pull was from my QuickSilver Visa as it was done in July.  I am not too concerned except that I wanted to do another LUV button hit in a year.  I'm trying to get my limit up a little more  I like the rewards and like to run everything through my card for my kids and I.  I got back about three hundred last year  I just don't want anymore surprises.  It is my only two pulls for this year.  Not hurting per se....

[Anonymous]

So just to tell you what I know..I try to refrain from speculation as it only causes more grief and smoking.....

I doubt very very much the other HP is from a QS CLI.....I am thinking that it was either an off site HP (meanig that for whatever reason Sony decided to pull your bureau for reasons "other" than a CLI) People forget that creditors...in addition to pulling HP's for CLI can HP for ANYTHING they want, especially if they feel something is wrong, become spooked, or just whatever....(not saying this is the case here)....this is why I freeze all my CB's so that I dont have to worry about it.....

Also....where are you viewing that this inquiry was a HP????  What monitoring service are u using.....please advise when u can

Gregg

[Anonymous]

Hey Greg

It was my yearly report that I pulled directly from TU.  It is under the regular inquiry section.  The reason I thought the July one was Quicksilver is because that is the day and month that I asked for the increase.  Same thing goes with Sony.  So I am a little stumped

 CAPITAL ONE BANK USA NA
 PO BOX 30281
 SALT LAKE CITY, UT 84130
 (800) 955-7070
 Requested On: 07/06/2015, 09/26/2015,

[Anonymous]

Ok....So here we go..

Capital One Bank USA NA is an inquiry from co-branded cap one cards...

Capital One Bank would be an inquiry from a standard (Venture, QS, Etc) Cap One Card.....so...

Both inquiries have come from the former, Cap One Bank USA NA and, therefore, were pulled by your Sony Card.....

Sorry my friend...Best of luck...dont worry, they will age off...and now you know

Gregg

[OmarGB9]

And it's under the "inquiries that can be seen by others" section?