Why I don't go seeking CLIs I don't need...
*Also...how long do you think it will be until we see a Pokemon cobranded US credit card? I've not tried the game...yet, at least...but people really seem obsessed. Pokemon credit and prepaid cards already exist in Japan. Imagine a rewards program where 10,000 points buys a Pikachu.
Agreed. But it's just like everything else...I have always had at least one inquiry if not more at any given time that I didn't authorize. In January I moved and set up new cable and Internet and all that. They asked me if I wanted to pay a deposit or have a credit inquiry. I didn't want any inquiries at the time so I paid the deposit. They pulled Equifax anyway. I didn't even bother to call them. It will never go anywhere...except in two years when it falls off my report.
But I know very well that even when you call a major bank and a senior level rep promises they won't do a hard pull, you still have a chance of ending up with one...
But, like you said, that's why you don't go around asking for CLIs you don't need AND THEN calling EO for a second shot at it...CLI is likely never going to have a successful recon. It's too much of an in between transaction. Anyone reviewing will just say "Eh. Just try again in 6 months and we'll see. I'm sticking with the computer". It's not a denial for a new account where they could see the theoretical benefit to extending you credit. If they don't approve a CLI the likelihood of you spending the same amount of money on the card is very high (except for those who will not out of spite or the rare situation where you can't buy something because it's larger than your CL).
Everything happens for a reason. OP didn't learn anything unfortunately, though I would acknowledge the overall sanity of the thread...but the last post indicates there were also several replies removed because they violated the rules so who really knows...there was more reason than usual on this thread though.