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HSBC CLI question

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ShiningDown
Frequent Contributor

HSBC CLI question

When clicking the CLI request it says they may pull a copy of you credit report. When does this become a hard pull and what do they ask you. Ive had the card 7 months but I still have a 700.00 balance. Is this way to much to even try. I'm afraid capital one will do 3 pulls on me in the future when I finally get my card paid down.  

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LS2982
Mega Contributor

Re: HSBC CLI question


@ShiningDown wrote:

When clicking the CLI request it says they may pull a copy of you credit report. When does this become a hard pull and what do they ask you. Ive had the card 7 months but I still have a 700.00 balance. Is this way to much to even try. I'm afraid capital one will do 3 pulls on me in the future when I finally get my card paid down.  


If they are specifically saying "credit report" on the website there's avery good chance it's a HP. I would work on PIF that balance if your ok with the HP. To my knowledge, Cap1 CLI's are SP's but can be YMMV in certain situations.




EQ FICO 548 3/3/16
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ShiningDown
Frequent Contributor

Re: HSBC CLI question

Thanks LS

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