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I am currently a Citibank customer for about 7 years now. I have checking/money market/home loan & credit card with them.

Last month I applied to open a CD with them (via the web site). It required I log in to my account first so that I could use one of the existing titled accounts as reference. I also funded the new CD from my existing Citibank savings.

A hard credit pull showed up on my credit report.

2 weeks later, I opened a 2nd CD with them via the same process and yet another hard credit report was pulled.

Call me crazy, but isn't this excessive?

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