i have had a sam's/walmart private label account through gemb for almost a year and a half. not once had a cli. after reading this i called and the rep said the only way she could do it was to pull a hard. after my recent app spree (thanks sleigh, but it's like the saying "you can't rape the willing") i couldn't let her do that. i asked if she could just do an internal review w/o the pull, she said that was something only a supervisor could do and those are random (compuetr generated). i said put it in the comments that after a year i would have thought i would have been trusted a little more. continued on with how much i use the card and what a pain it was to make multiple payments a month, etc....
we'll see if it goes anywhere. i made it clear that no way did i want a hard pulled. she did say that if she pulled a hard that i would get at least a $200 cli. again, with the recent inquiry record i restrained myself. the thought of nails driving through my flesh worked.
