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every CLI that ive done on their site has been a soft pull. they have always countered my increase amount too
This is clearly a YMMV and likely because different customers are put in different categories of some sort. I suspect it may have to do with other banking relations with Citi. For instance if one has a checking/savings account with them they have can combine the information history to create a better risk metric.
@cashnocredit wrote:This is clearly a YMMV and likely because different customers are put in different categories of some sort. I suspect it may have to do with other banking relations with Citi. For instance if one has a checking/savings account with them they have can combine the information history to create a better risk metric.
Definitely YMMV. I have no banking relationship with CITI other than a CC. My first 2 CLI requests were soft pulls. Never tried for a third. My wife, on the other hand, who also does not have banking relationship with CITI, just a CC, got hard pulled on her first request.
@BMW_M-Series wrote:
@SuperKirby wrote:This thread was freaking hilarious!
Anyway, where exactly on the site can I request for an online chat feature?
ETA: (sorry for the old thread bump)
click on the make a payment and then on the pop up box just click live chat
Thanks.
Back to topic, I'm really starting to think the CSRs don't know the difference between soft and hard pulls. I really think they have their own definition of soft and hard. I don't know how many times they've said soft and I got a HP.