Random CBNA hard pull on TU.

[gibeon]

Just got a Credit Check Total alert for an Inquiry from CBNA, but I haven't applied for any Citi products recently. (Just says CBNA) so I think it is one of my two "real" Citi cards.

I do have a Citi Secured Mastercard that is cutting the 13th statement today.

Also have a Diamond Preferred for a few months, that I just put a charge on for the first time (have been paying down the 0% balance transfer).

Also, have a Best Buy card for a while now.

Does anyone know if Citi does a HP to unsecure, even if its a few months early and I haven't requested it directly? Or should I call in and ask them about it (I don't know who would want to steal my identity with my nutty credit history, but you never know.)

Thanks,

Gib

[gibeon]

I tried Citi's chat service. They were useless and gave me the phone number for Equifax.

The inquiry was on my Transunion report...

[Anonymous]

I'd pick up the phone and call them. I'd be worried that someone has your details and applied for a card under your name. It's highly unusal for banks to do hard pulls without your express consent.

[gibeon]

Just got off the phone with the EO. They're really nice, but couldn't see any recent applications.

She suggested that it might be from a CLI request at Best Buy or Macy's (had forgotten Macy's was CB).

aand. got it... I think...

It is 99% likely that the alert was for a CLI request on my Best Buy card from February 8th, but (according to the phone rep) they don't report the pull until the statement cuts - which sounds ridiculous and weird and like something i've never heard. My guess is maybe it starts soft, and they swap it over when they cut a statement. (I know, that doesn't make sense either, but I DON"T have a hard pull from Citi through any of February.)

[K-in-Boston]

Both Citi cards and CBNA (which is how their store cards show on my report) show as CBNA in inquiries.  If you didn't have a previous pull from the Best Buy CLI request, I am sure that's what it is.  FWIW, my wife's BB and my now-closed Home Depot reported the CLI inquiry/inquiries within a day.

[Anonymous]

I used to have a citi secured. They will do a random HP on TU to determine to remove the deposit. If it is related to that, you should get a letter in a few weeks letting you know it is going to be converted.

The CSR and EO didn't know either but my graduation letter was dated the day of the pull

[gibeon]

Water88 was right!

Just got the letter today that my card graduates next month. I hadn't realized it had already been 16 months. I thought I was closer to a year.

Looks like I get my money back next month. Now to figure out how to get them to raise my limit when it graduates.