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Hi MODs
I was wondering if we can make this a sticky. I did not find anything when searching, but a place where we can go to see if a certain card is soft or hard for CLIs would be great. I can always update the list if things change. Please everyone chime in on credit cards you may have and know if they are soft or hard pulls for CLIs.
If this has already been done, please forgive me. I will list the cards I have and what I already know.
You can answer Soft, Hard, or YMMV (your mileage may vary)
Updated 5-4-2012
Credit cards Pulls
Amazon store card Soft (every 4 months)
Alliant CU Hard
American Express Soft (61 days after opening acct) (6 months thereafter) up until 25k
Bank of America Hard (some have push luv button online and soft YMMV)
Barclay Rewards Visa Hard
Bellco CU Platinum Visa Hard
Best Buy Soft
Cap One Soft (almost impossible to get a CLI many have stated)
Chase Hard
Citibank YMMV
DCU Visa Platinum Rewards Hard
Discover YMMV
ExxonMobil YMMV
First National Bank of Omaha Soft over the phone, HP online ALWAYS (eligible every 4 months)
Gap Visa Soft (every 4 months)
Home Depot Hard
HSBC Platinum Soft (note this is turning into a Niagara CC)
J Crew Soft (every 4 months)
JcPenney Soft (every 4 months)
Kohls Soft
Macys Soft (every 4 months)
NASA CU Hard
NFCU Hard
Nordstrom store card Soft
Patelco CU Hard
Paypal Smart Connect Soft (every 4 months)
PenFed Hard (Pre approval CLIs soft) (will use the same pull for 90 days)
Target Does not accept customer initiated CLIs
U S Bank Hard
Victoria Secret Soft
Walmart Soft (every 4 months)
Wells Fargo Soft
Younkers (and other BonTon Stores)/HSBCail Soft
Please let me know if I am wrong on anything and let me know of any other cards and I will update the list
Thanks
Discover = YMMV
Walmart = Soft (every 4 months)
@TNTransplant wrote:Discover = YMMV
Walmart = Soft (every 4 months)
Thanks TNT, i will update the list
Cap1=YMMV
Kohls=SP
Bank Of America= HP
Bestbuy= SP
Homedepot=HP
@Anonymous wrote:
How about consolidating all GE cards.
I was thinking that CTB, but some people may not know what cards are GE backed so I listed them separately
@afbar1114 wrote:Cap1=YMMV
Kohls=SP
Bank Of America= HP
Bestbuy= SP
Homedepot=HP
Thanks Afbar, i will update
EDIT to add, i thought CAP1 was always a HP
@oracles wrote:
@afbar1114 wrote:Cap1=YMMV
Kohls=SP
Bank Of America= HP
Bestbuy= SP
Homedepot=HP
Thanks Afbar, i will update
EDIT to add, i thought CAP1 was always a HP
Capital One is always a soft pull.
Target doesn't do customer initiated CLI's
First National Bank of Omaha = SP over the phone usually, HP online ALWAYS (eligible every 4 months)
Younkers (and other BonTon Stores)/HSBC Retail = SP
Wells Fargo = SP
Bank of America = Always SP for me
Discover = SP online
Those have just been my experiences.
@andre181 wrote:
@oracles wrote:
@afbar1114 wrote:Cap1=YMMV
Kohls=SP
Bank Of America= HP
Bestbuy= SP
Homedepot=HP
Thanks Afbar, i will update
EDIT to add, i thought CAP1 was always a HP
Capital One is always a soft pull.
Target doesn't do customer initiated CLI's
First National Bank of Omaha = SP over the phone usually, HP online ALWAYS (eligible every 4 months)
Younkers (and other BonTon Stores)/HSBC Retail = SP
Wells Fargo = SP
Bank of America = Always SP for me
Discover = SP online
Those have just been my experiences.
Thanks andres, i will update
Good Job Oracles!!