Citi DC Hard Pull or Soft Pull if have the LL Bean card

[bergrides]

Hi All,

Has anyone applied for the Citi DC card when they already had the LL Bean card by Citi, and if yes was a hard credit pull or a soft pull needed to app?  I have the Bean card and have been thinking of getting the Citi DC card to have 2% default cash back.

Thanks

[FinStar]

It will be a HP.   Having other Citi cards (retail, core or legacy) would not yield a SP for any additional products.

[SouthJamaica]

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@bergrides wrote:

Hi All,

Has anyone applied for the Citi DC card when they already had the LL Bean card by Citi, and if yes was a hard credit pull or a soft pull needed to app?  I have the Bean card and have been thinking of getting the Citi DC card to have 2% default cash back.

Thanks

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I guarantee it will be a hard pull.

Amex is the only lender I know that usually dispenses with hard pulls if you already have a card with them.

[bergrides]

That is what I figured.  Thanks.

[CreditInspired]

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@bergrides wrote:

Hi All,

Has anyone applied for the Citi DC card when they already had the LL Bean card by Citi, and if yes was a hard credit pull or a soft pull needed to app?  I have the Bean card and have been thinking of getting the Citi DC card to have 2% default cash back.

Thanks

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Hi OP

You’ve gotten great and accurate responses. Our motto: Always expect a HP for any CC or CLI unless it says otherwise.