Does CL transfer trigger another credit pull?
Jul 7, 2014 | 12:24 pm
#1
Original Poster
Join Date: Jul 2009
Posts: 190
Does CL transfer trigger another credit pull?
Wanted to close my Marriott card before AF due, and transfer the CL to my new CSP card, but the CSR told me because the new CL is so high, they need to get lending dept to review which may trigger another credit pull. Does anyone have similar experience? What would you do? Give up the CL to avoid the credit pull, or does it worth the pull to keep the CL?
Jul 7, 2014 | 12:37 pm
#2
Join Date: Apr 2014
Location: DC
Posts: 360
It's really up to you. I wouldn't care one way or the other. Hard pulls never seemed to stop me getting any cards, and my total CL is more than enough that I don't mind losing any of it right now.
But each case is different.
But each case is different.
Jul 7, 2014 | 5:04 pm
#3
Join Date: May 2009
Location: EWR
Posts: 887
I did a transfer today. The "generic" CSR mentioned that they may need to do a credit check but the "lending specialist" who I was transferred to said they wouldn't need to because they would just look at a "snapshot".
Maybe it varies from case to case, but they would tell you if they needed to.
Maybe it varies from case to case, but they would tell you if they needed to.
Jul 11, 2014 | 6:54 am
#7
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Same here soft pull
Citi however are hard pull kings. They don't even have a worthwhile procedure in place to move credit around, and yet they still do a hard credit pull. Go figure
Citi however are hard pull kings. They don't even have a worthwhile procedure in place to move credit around, and yet they still do a hard credit pull. Go figure
