Citibank issued Best Buy and Wayfair store cards

[PalmerNoDrama]

I currently have these two cards- Does anyone know if they are soft pulls for CLI?

[CreditCuriosity]

Citi retail division HP's for CLI's on these two cards.

[Drifter73]

In addition to the 2 above, I'm guessing all Citi retail cards are HP CLIs. My Citi HomeDepot was also an HP CLI.

[coldfusion]

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@Drifter73 wrote:

In addition to the 2 above, I'm guessing all Citi retail cards are HP CLIs. My Citi HomeDepot was also an HP CLI.

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CLI requests for Sears cards generate soft pulls.

[Drifter73]

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@coldfusion wrote:

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@Drifter73 wrote:

In addition to the 2 above, I'm guessing all Citi retail cards are HP CLIs. My Citi HomeDepot was also an HP CLI.

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CLI requests for Sears cards generate soft pulls.

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Interesting, but sears has scaled down so much over the years it's hard to find an actual store. Its mostly appliance repair now. Which is unfortunate 😕 

[PalmerNoDrama]

I guess I wont be trying for CLI then - I did start the wayfairs like 2 1/2 yrs ago at 2200 then I cLi a year after and it went to 4500 but to be honest I can't remember getting a hard pull but that was before citibank took over the account.

[coldfusion]

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@Drifter73 wrote:

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@coldfusion wrote:

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@Drifter73 wrote:

In addition to the 2 above, I'm guessing all Citi retail cards are HP CLIs. My Citi HomeDepot was also an HP CLI.

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CLI requests for Sears cards generate soft pulls.

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Interesting, but sears has scaled down so much over the years it's hard to find an actual store. Its mostly appliance repair now. Which is unfortunate 😕 

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The website is still active but now mostly serves as a portal for multiple vendors.

The Mastercard is still accepting applications and Citi has been very aggressive with good-to-excellent targeted promotional offers over the last 4+ years, so the card itself for a number of us isn't yet a prime candidate for the sock drawer.

[MountainHiker]

My Bloomingdales and Macy's Citi backed cards were both soft pulls. 

[Drifter73]

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@MountainHiker wrote:

My Bloomingdales and Macy's Citi backed cards were both soft pulls. 

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My Macys was an HP 2 years ago. Though. It may have changed now. Mines in my sock drawer, so it doesn't get any play anymore.

[MountainHiker]

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@Drifter73 wrote:

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@MountainHiker wrote:

My Bloomingdales and Macy's Citi backed cards were both soft pulls. 

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My Macys was an HP 2 years ago. Though. It may have changed now. Mines in my sock drawer, so it doesn't get any play anymore.

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With Macy's and Bloomingdales it's very important to request CLI only if the credit check is a soft pull. I never do it online.  And their csr seem to be quite use to that request. I usually call in for the request, and over the phone, I make it clear I'm interested in only a soft inquiry increase. Without that assurance, I  also  make it clear I don't want the increase. Thus far no issues.  

But I have read on a few online forums that some customers who didn't request the CSR to check to see if they were eligible for a soft pull, were in fact hit with a hard pull.