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Citi Forward & DBL cash, Discover, requesting HP for CLI

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Anonymous
Not applicable

Citi Forward & DBL cash, Discover, requesting HP for CLI

I've had them for 3 years and only this year have they started requesting hard pulls for approve a CLI, anyone else having this issue? Why?

Message 1 of 4
3 REPLIES 3
Kevin86475391
Frequent Contributor

Re: Citi Forward & DBL cash, Discover, requesting HP for CLI

Just last week I got soft pull increases on my Discover It and Citi Double Cash. 

 

Obviously this is just a guess, but it could it be that your last soft pull CLI is too recent or that you're asking for an amount too high for a soft pull?

Message 2 of 4
ddemari
Super Contributor

Re: Citi Forward & DBL cash, Discover, requesting HP for CLI

For what I have read citi offers people soft pull luv but usually if you request it, it's a hard pull.
Message 3 of 4
takeshi74
Senior Contributor

Re: Citi Forward & DBL cash, Discover, requesting HP for CLI

There's no issue.  An HP can be required for a CLI regardless of your prior experience.  It's up to you to determine if the CLI or avoiding an HP is a bigger priority for you.  HP's have little impact aside from those with thin credit profiles and/or credit profiles with issues.  In such cases it's not the HP that is the issue but the individual's credit profile.

Message 4 of 4
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