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

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Contributor

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

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

Message 1 of 5
4 REPLIES 4
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Moderator Emeritus

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

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

Message 2 of 5
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Super Contributor

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


@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


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.


Total revolving limits 654000 (575000 reporting) FICO 8 EQ 714 TU 731 EX 713

Message 3 of 5
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Contributor

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

That is what I figured.  Thanks.

Message 4 of 5
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Community Leader
Super Contributor

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


@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


Hi OP

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


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
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