When Citicard DoubleCash processes a soft-pull CLI request, does it use the score that's posted on the site, or does it use a freshly updated score?
I'd assume so. And when you request a HP. They pull Experian. I assume they use Bankcard scoring either way.. though I could be wrong.
My personal theory is that they do use the last SP. My reason for that is when I get denied each time for "too many recent accounts," it is always an instant denial with no consideration period. When I had a CO on my report, I got the same instant denial. The assumption is based on the fact that the denials stayed instant when my report went clean, but the reason changed right after the monthly SP. I'm fairly certain that 20 years from now, my DC will still be $800 
@Anonymous wrote:My personal theory is that they do use the last SP. My reason for that is when I get denied each time for "too many recent accounts," it is always an instant denial with no consideration period. When I had a CO on my report, I got the same instant denial. The assumption is based on the fact that the denials stayed instant when my report went clean, but the reason changed right after the monthly SP. I'm fairly certain that 20 years from now, my DC will still be $800
Thanks for the thoughtful analysis, Noxqs, I'm tending to think you're right, so I'm going to wait for their next SP, when my score will be 73 points higher 
But I'm fairly certain that 20 years from now, my DC will still be $2600, the same as it was when I first got the card almost 2 years ago That is if I still have the card then.
@SouthJamaica wrote:
@Anonymous wrote:My personal theory is that they do use the last SP. My reason for that is when I get denied each time for "too many recent accounts," it is always an instant denial with no consideration period. When I had a CO on my report, I got the same instant denial. The assumption is based on the fact that the denials stayed instant when my report went clean, but the reason changed right after the monthly SP. I'm fairly certain that 20 years from now, my DC will still be $800
Thanks for the thoughtful analysis, Noxqs, I'm tending to think you're right, so I'm going to wait for their next SP, when my score will be 73 points higher
But I'm fairly certain that 20 years from now, my DC will still be $2600, the same as it was when I first got the card almost 2 years ago
I'm crossing my fingers for you SJ! I love this card and it is one of my oldest, but the CLIs feel impossible most days! I'll be hoping after the SP too. My score is 100+ points higher than when I got it, but all I can do now is wait for them to take me out of the "too many new accounts" category.
My denial's have changed to I must wait 6 months before another CLI can be considered. It used to be too many new accounts. I'll find out next month. If I get a SP increase. I'll ask for $40k on a HP.
I tend to believe, besides rewiewing your report, that score on their website plays a factor. You guys rock, only 20 years huh, in 20 years my score will find someway to stay below freezing lol so im gonna count my lucky $1200 and bow out of this game haha!!
Hey at least my fico on the website jumped a Steph Curry special to 636 this month. weeeeeeee 
Hey at least my fico on the website jumped a Steph Curry special to 636 this month. weeeeeeee
I think I've pretty much answered my own question by reviewing the denial letter from my soft pull CLI request. It referred to an event which had disappeared from my Equifax report weeks before the CLI request. So it is clear to me that when I make the soft pull CLI luv button request on Citi's site, they're going to go with the old report referenced on the site as my FICO score.
So I've just got to wait for that score to update, and then I'll pull the lever again. Hopefully the soft pull language will still be there when I do.
BTW I've noticed the language "Pre-Approved Increase: $"... I never noticed that before. Has that always been there when the soft pull language was in place?
