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Is there a Comprehensive CLI Thread?

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Bonafacio
Established Member

Is there a Comprehensive CLI Thread?

Was just curious is there was an updated list anywhere kind of like the backdoor number thread. 


I was mainly after what frequency, hard / soft pull, best method, what CL amount requires hard pulls if any and such. I saw some vary a little. Thought it could be a good idea for a one post thing. 
If allowed, could one just start up a thread and maintain it from input given? Wanted to prepare myself for whenever those statements cut. Tempted to just push the button for some. 

Afraid some will go straight to a hard pull. I got all my hard pulls in around 1/1/2017 to start gardening. But sure enough, one of the CLI soft pulls went in as a hard pull without my consent. So I wanted to plan it out, so I knew who to call and who to push the button. I've been tempted to just push the button on some since I saw some people going monthly.
Maybe I should just call them all every 3 statements?

I was mainly interested in Chase, Discover, NFCU, Capital One and Barclay. Barclay hit me with a hard pull on the CLI. Maybe they do it after a certain amount?   

Thanks.

Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Is there a Comprehensive CLI Thread?

From what I've read Chase is always a hard pull if you initiate it. Capital One is a soft pull and the others you'll have to wait for someone who has experience with those cards chime in.
Message 2 of 7
AverageJoesCredit
Legendary Contributor

Re: Is there a Comprehensive CLI Thread?

Discover is sp unless you consent to hp.
Message 3 of 7
9CLINE
Valued Contributor

Re: Is there a Comprehensive CLI Thread?

Citi DC has been SP ~every 6mths,
Synch. backed such as Lowes, JCPenny have been SP but Care Credit is usually HP .Macy -SP for me,but haven't asked in over a yr, heard that some can be HPs.
Most Citi backed retail is HP usually like BBY,and HD
As previous stated Disco usually SP & Chase HP.

Amex SP usually

I am sure others will add more info and make needed corrections to info given so far,,

Smiley Happy


Message 4 of 7
Anonymous
Not applicable

Re: Is there a Comprehensive CLI Thread?

From my experience, Macy's is a soft pull and BOA is a hard pull when you initiate it either online or over the phone. Not sure if this is the right place to ask, but does anyone know what the max credit limit is for existing BOA cards? Thank you. 

Message 5 of 7
AverageJoesCredit
Legendary Contributor

Re: Is there a Comprehensive CLI Thread?

Max Boa credit limit is more than i have lolSmiley Wink

Seriously, it just depends on ones profile and income.A recent poster just got a cli to 59,000! So shoot for the moon, you might hit Jupiter or just the end of your front doorSmiley Happy
Message 6 of 7
happypill
Valued Contributor

Re: Is there a Comprehensive CLI Thread?

Here's what I can think of off the top of my head:

 

1. Capital One - SP by clicking luv button

2. Discover - SP by clicking luv button, can generally try once per month

3. Barclays - HP if you request a CLI, but you can ask if there are any offers on your account (usually best to ask if there are any APR reductions on your account), and if so, then ask if there are any other offers, like a CLI.

4. NFCU - HP I think, but one pull will last for a while, like 60 days

5. Penfed - HP, but one pull will last for a while, 60-90 days

6. BofA - HP on TU, but sometimes a SP offer may pop up (never had that happen to me personally)

7. Citi - can by a SP if you use the luv button, read the language after you click and it should tell you.  Balance reallocations always require a HP

8. Synchrony & Comenity - SP, but be careful if you run it up too high too fast

 

It's good to have this info centralized so hope everyone will chime in and maybe get a consolidated sticky FAQ.

 

As always, YMMV and always expect that you might get a HP even in noramlly SP situations.

Message 7 of 7
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