Citi CLI-hard or soft??

[Fred2280]

On my account website Citi has a button for requesting a CLI. A form letter quickly comes up indicating I have a balances with them which result in a denial. They used a CR on file. (EQ). Is this a soft or hard pull?

[TheArcher]

From my experience, Citi CLI's are soft.

[debtisgood]

Fred,

Did you fill out a form giving them info or did you click on it and it pretty much say no?

I believe if you fill out of the form and it takes a second to process then it is a hard....if you don't fill out info and it just says yes or no then I think it is soft or just in-house info they use.

[thrasher865]

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Fred2280 wrote:

They used a CR on file. (EQ). Is this a soft or hard pull?

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Uh....   if I'm understanding you correctly, that's a no pull.  You saying they had already pulled your CR for an application or something, and they used it again for this CLI request?

[Fred2280]

Ater logging into my Citibank cc account, I'm clicking on the request for a credit line increase. Immediately a letter pops up indicating I have too many high balances with them. They have my credit report on file. (Equifax) I'll receive the letter in the mail. Hopefully, it's a soft pull. 

[thrasher865]

If they used a CR on file, then when they initially obtained that CR, it will show up as a hard pull.

[smallfry]

Pretty sure that as long as you don't fill out the form it is a soft pull.

[fused]

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smallfry wrote:
Pretty sure that as long as you don't fill out the form it is a soft pull.

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Yes!!!!!

[thrasher865]

I'm not fully understanding, but it seems he's saying that they used a CR that they already had on file before you applied for a CLI.  If so, I believe that you have a hard inquiry from whenever they obtained that CR, be it an application for a new account or whatever.  But, that would mean no additional inquiry for when you app'd for the CLI, as they used the CR they already had pulled.

We know from countless recent threads that citi gives a soft pull if they approve you for a CLI after clicking the luv button, but a hard if there is any form you must fill out.  But I didn't gather either one of those scenarios.

What I understand is you clicked the button and they immediately informed you that your balances were too high, and they obtained that information from a report already on file.  In that case, you should have no inquiries at all, and a soft if any, directly from this specific act of clicking the luv button.

If I'm misunderstanding, I aplogize.

Message Edited by thrasher865 on 06-08-2008 03:22 PM

[smallfry]

The whole thing is strange to me anyway. Citi usually either just gives you a CLI or you get the form. I never heard of any explanations other than wait 6 months before you even dare to ask.