I applied for a CLI on my Autograph card but my reports were frozen so they denied me and even sent a letter saying the same. 10 days later, I unfroze my reports and get an automatic CLI on the Autograph card. Haven’t seen the hard pull on any credit agencies.
Is it possible they just did a soft pull, or just a matter of time till that hard pull shows up? (I froze my reports immediately after seeing CLI if that makes any difference). Called Wells Fargo to enquire but the vastly unhelpful rep had no idea whether a hard pull was done or not. Are they still authorized to do a hard pull 10 days later?
Wells Fargo credit limit increase
byu/_halamadrid_ inCreditCards
Posted by _halamadrid_
2 Comments
they probably just used the soft pull from when you applied originally and ran with that once reports got unfrozen. banks can sometimes sit on authorization for bit especially if system already flagged your account for review
freezing again right after probably good move since some places do weird delayed pulls but 10 days seems long for that. if nothing shows up in next week or two you’re probably clear
I think you probably lucked out, so enjoy the CLI. Good move putting your reports back on ice, BTW.