New Citi CLI form?

[Anonymous]

i live in ca and i dont want a hard inquiry on experian, evertime i call it is never instantly approves it has to be transfered to a csr to review.

[android01]

I live in MN, and Citi has always pulled Experian for me, including softs.

[plasticguy]

Your credit line can be immediately increased by $1,000.00 for a total new credit line of $24,050.00. During the evaluation process, a credit bureau report was not pulled. Please indicate below whether or not you accept this amount. If you want a lower credit line, call Customer Service at 1-800-950-5114. Outside the U.S., call 605-335-2222. Credit Line Increase Request Congratulations! Your credit line has immediately increased by $1,000.00 for a total new credit line of $24,050.00. If you have an email address on file where you receive account information about your credit card, we'll send you an email confirmation. If not, please update your email profile so that you'll receive future notifications. If you are carrying balances on other credit cards, now is a great chance to take advantage of our balance transfer rates. You can even pay off some merchants and bills. There is a green colored Request more button, and if that is hit, then a HARD will be done

[smc733]

DAMNIT DAMNIT DAMNIT DAMNIT!!!!!!!!!!!!!!!!!

SUBMITTED AND A HARD WILL BE PULLED.  CALLING TO CANCEL!!! AHHHH

[Guava]

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@smc733 wrote:

DAMNIT DAMNIT DAMNIT DAMNIT!!!!!!!!!!!!!!!!!

SUBMITTED AND A HARD WILL BE PULLED.  CALLING TO CANCEL!!! AHHHH

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How much did you request?

[smc733]

$1,000 but I cancelled it in time.

[hedgeclipper2]

I requested $1k too, but it specifically told me when I accepted it that they did not check my credit.

Weird.   Looks like the days of being able to tell the difference between soft and hard are gone  I will just call in the future from now on and ask.

[Walt_K]

Seems like they are granting the increase with a soft pull if you meet certain requirements but requiring a hard pull if you are borderline, similar to how CCs grant instant approvals to some but require additional processing for others.

[smc733]

Apparently, this only happened because I recently requested an increase and it has been too soon...

[amp0804]

I did this last night after hearing about a new cli form. Entered 5,000 for an increase they came back with 800.00. Anything is cool. Limit went from 7,000 to 7,800.