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Macy's CLI: Pull or No Pull?

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So, what's the current state of requesting a CLI on a Macy's store card?

 

Are they hard pulling, soft pulling, or it depends on the whimsy and abilities of who you talk to on the phone?

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Soft pull for me a few months back. They lowered the line to $150 as I haven't used the card in a couple of years. Raised it back up after my request.

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I've only had soft pulls on both store and Macy's AmEx, but don't be naive -- always have reports on ice just in case.

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IIRC, the Macy's credit reps are trained to tell you that your request will result in a hard pull, even though they have no way of knowing. After your request is entered into their system, a set of rules is applied to your account to determine if they pull your credit or not.

 

I've always been told to expect a hard inquiry (both when requesting CLIs by phone and via secure messaging), and I've always declined. I almost never use my Macy's card, so giving up a HP would be silly, since odds are almost 100% they won't pull TU.

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IIRC, the Macy's credit reps are trained to tell you that your request will result in a hard pull, even though they have no way of knowing. After your request is entered into their system, a set of rules is applied to your account to determine if they pull your credit or not.

 

I've always been told to expect a hard inquiry (both when requesting CLIs by phone and via secure messaging), and I've always declined. I almost never use my Macy's card, so giving up a HP would be silly, since odds are almost 100% they won't pull TU.

 

100% they won't pull EX or EQ either. Frozen. ;)

 

They always tell me they need to pull credit and I always tell them "Ok!" Always walk away with the CLI, but never a hard pull.

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IIRC, the Macy's credit reps are trained to tell you that your request will result in a hard pull, even though they have no way of knowing. After your request is entered into their system, a set of rules is applied to your account to determine if they pull your credit or not.

 

I've always been told to expect a hard inquiry (both when requesting CLIs by phone and via secure messaging), and I've always declined. I almost never use my Macy's card, so giving up a HP would be silly, since odds are almost 100% they won't pull TU.

100% they won't pull EX or EQ either. Frozen. ;)

 

They always tell me they need to pull credit and I always tell them "Ok!" Always walk away with the CLI, but never a hard pull.

 

She came back on the phone, no mention of HP, and said your EX isn't available and I thought to myself, 'damn straight' and that's why.

 

They often SP but if the timing is such that they don't have a fresh pull to use when contacted, then they may HP, and as PP they don't necessarily know what kind of pull it will be in advance.

Edited by virtualtreasure

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IIRC, the Macy's credit reps are trained to tell you that your request will result in a hard pull, even though they have no way of knowing. After your request is entered into their system, a set of rules is applied to your account to determine if they pull your credit or not.

 

I've always been told to expect a hard inquiry (both when requesting CLIs by phone and via secure messaging), and I've always declined. I almost never use my Macy's card, so giving up a HP would be silly, since odds are almost 100% they won't pull TU.

100% they won't pull EX or EQ either. Frozen. ;)

 

They always tell me they need to pull credit and I always tell them "Ok!" Always walk away with the CLI, but never a hard pull.

She came back on the phone, no mention of HP, and said your EX isn't available and I thought to myself, 'damn straight' and that's why.

 

They often SP but if the timing is such that they don't have a fresh pull to use when contacted, then they may HP, and as PP they don't necessarily know what kind of pull it will be in advance.

I think it is timing.

 

I've never had a hard from Macy's either on store or AmEx.

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