Citi?!?! - Wayfair I always thought the practice to where finance charges are accumulated and charged from the date of purchase if not paid before a promotional rate comes due was a Synchrony thing. I just got a notice from Citi/Wayfair that they have the same setup. That sucks! I thought better of Citi. I tried doing a preapproval for wayfair bc I'm moving and I need furniture. I ended up getting a hard pull on my credit report and a message saying We'll review your application and notify you with a decision within 7-10 business days. While you're browsing our site you can also check your applicat. I went to Wayfair and used the SCT and at the check out it said I am pre-approved for Wayfair credit card. I did not pull the trigger. How reliable is their pre-approval. I know pre-approval does not mean a guaranteed approval but I am curious what are the chances of approval and does being a custom. Long story short I went to my wayfair store card to do a CLI, I couldnt remember if the citi bank services did a hard pull CLI, but its been over a year, I tried and asked for $10,000 more and only got $500 increase. $7,000 to $7,500. Then I got emails that my Equifax got pulled, being frustra. Wayfair MasterCard CLI DH clicked CLI online and went from $4000 to $5000 but it ended up being a HP Re: Wayfair Alternative Financing (Genesis FS Card Services) It shows up as 'Credit Card - Revolving Terms' under account type and is listed with my other credit cards. Where would I find the category of CFA? Looking to join? Register here. New to the community and looking for help? Check out the Getting Started Guide. Wayfair says I need to go through that credit approval dialouge each time, which I unfortunately believed and it just did another soft pull, but this time I was denied by everyone, except Genesis which was no longer on the list. I cannot figure out how to do this! Re: Wayfair shopping cart trick, not sure what to do! @K-in-Boston wrote: A new account present on your credit reports will do significantly more damage than a hard pull. If you are pursuing a mortgage, it is highly ill-advised to open new credit accounts. Citi has a very long memory. I was able to get back into Citi 2 years after my chapter 7 discharge with a Best Buy store card. Note that this card is handled through Citi's reatail credit card division. Over the years, I added the Macy's Amex, Wayfair MC, Shop your way rewards MC, and the Costco Visa. It can be done, it just takes time.