HomeDepot CLI resulted in Hard Pull

[9CLINE]

Yesterday did chat with HD rep, my questions were,  Does the system do a  counteroffer if  it's more than HD can do? Is it a Hard or soft pull on CR? He told me CLI request weren't countered and that all are SP, he then told me how to get to the form online.

Since I thought it would be SP what the hell....

Did form for 4,000( afraid to be greedy since I only had 500,for the 2yrs. I've had it)and got the we'll let you know message.

Haven't heard from them but, signed on acct. last night to see a limit of 4,500. Whollaah this morning get SW alert for inquiry..

Just wanted to let others know this may happen,even if rep says they don't.

My bal,was 0 since dec.12

Looks like I'll never stop being a seedling at this rate.....lol

[takeshi74]

I'd always recommend assuming a CLI is a HP for any card out there.  A number of threads here indicate that the CSR's don't always provide the correct info.

[9CLINE]

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@takeshi74 wrote:

I'd always recommend assuming a CLI is a HP for any card out there.  A number of threads here indicate that the CSR's don't always provide the correct info.

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yep that is true...another valuable lesson learned,,,back to garden I go.........

Thanks...

[Creditaddict]

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@9CLINE wrote:

Yesterday did chat with HD rep, my questions were,  Does the system do a  counteroffer if  it's more than HD can do? Is it a Hard or soft pull on CR? He told me CLI request weren't countered and that all are SP, he then told me how to get to the form online.

Since I thought it would be SP what the hell....

Did form for 4,000( afraid to be greedy since I only had 500,for the 2yrs. I've had it)and got the we'll let you know message.

Haven't heard from them but, signed on acct. last night to see a limit of 4,500. Whollaah this morning get SW alert for inquiry..

Just wanted to let others know this may happen,even if rep says they don't.

My bal,was 0 since dec.12

Looks like I'll never stop being a seedling at this rate.....lol

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it's been long time since I have had a HD card but in the past HD showed a form if HP and showed just income question when SP and you would get offer after like screen 1 vs multiple screens with verification.

Think it's still that way with regular Citi Cards also when someone is going to get a SP CLI they never get the screen that confirms how much they are asking for and that credit will be pulled (I think?)

[Kenny]

If the CLI is large enough then the pull is hard, that's been my experience any way.

[myjourney]

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@9CLINE wrote:

Yesterday did chat with HD rep, my questions were,  Does the system do a  counteroffer if  it's more than HD can do? Is it a Hard or soft pull on CR? He told me CLI request weren't countered and that all are SP, he then told me how to get to the form online.

Since I thought it would be SP what the hell....

Did form for 4,000( afraid to be greedy since I only had 500,for the 2yrs. I've had it)and got the we'll let you know message.

Haven't heard from them but, signed on acct. last night to see a limit of 4,500. Whollaah this morning get SW alert for inquiry..

Just wanted to let others know this may happen,even if rep says they don't.

My bal,was 0 since dec.12

Looks like I'll never stop being a seedling at this rate.....lol

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Sorry about the HP but congrats on the CLI .........nice 

[BearsAndTurtlesRtheBest]

At least is was grannted and now you know.

[Peter1142]

I wonder do they get any different info from a HP vs SP? Do they get a FICO score from SP?

[9CLINE]

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@Peter1142 wrote:

I wonder do they get any different info from a HP vs SP? Do they get a FICO score from SP?

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Good questions I have been wondering the same things, maybe someone will let us know or start a new post about these questions...