American Express:Doesn’t do a hard pull for credit limit increases
ריעל עסטעיט מתחיל האט געשריבן:
בלעטל האט געשריבן:איך וויל פארמינערען די קרעדיט יוטיליזעישען על כן וויל איך בעטן צו העכערען מיין קרעדיט ליין.
מיין זארג איז, אז דאס קען גערעכנט ווערן פאר א אינקווירי, א הארד פאל. ריכטיג אדער נישט?
דאס ווענד זיך ביי וועלכע קאמפעני אין ווי אזוי , דהיינו למשל אמעריקאן עקספרעס קען מען עס טוהן אן ליין יעדע 6 חדשים אין עס ווערט גלייך אפראווד די העכערע נאמבער דאס מיינט אז מען האט נישט געמאכט קיין אינקווירי, בי אלע אנדערע דארפסטו פרעגן אויפן טעלעפאן אין ע"פ רוב זאגן זיי אז זיי מאכן יא א אינקווירי
, in fact it’s quite easy to get large credit limit increases from American Express. Read our in depth guide by clicking here.Barclays:Barclays seems to do a hard pull for customer initiated credit limit increases
but they also seem to be pretty good at doing automatic increases at the six or twelve month mark.
Barclays Arrival: Does a hard pull for a credit limit increase: 1, 2, 3:Bank of America
According to BofA they are required to do a hard pull by federal law for all credit limit increases. Some people have reported that they have received an automatic credit limit increase without a hard pull being performed. For credit limit increases they’ll usually do a hard pull from TransUnion
, whereas for new applications it’s usually from Experian.
Hard: 1, 2, 3, 4, 5, 6, 7, 8
Recently, they seem to be doing just a soft pull for reallocations when you call in. YMMV. You can also check for deals/offers and they will sometimes offer a credit limit increase with no hard pull.:Capital One
You can request a CLI increase online once every six months with your Capital One card, this results in a soft pull
. To request:
Log into your account
Click “Request Credit Line Increase” which is found under “Card Services”
request credit line increase from capital one
A lot of people will find that they struggle to receive an increase from clicking this button. One person reported that making a complaint with the BBB resulted in them receiving an increase from $500 to $2,000 and had their annual fee removed – but this is an ethical grey area.
Others reported that the only way to get an increase from Capital One is to contact somebody in the executive office of Capital One asking for one. If you do this, we suggest getting in touch with the Capital One CEO Richard Fairbank (firstname.lastname@example.org
). You should include why you think you deserve a CLI and what you plan to do if you don’t receive one (e.g cancel your current cards).
Soft Pull: 1, 2:ChaseIf you the card holder initiate a credit limit increase, it will always result in a hard pull with Chase
Hard: 1, 2, 3, 4, 5:Citi
Update: You can also request an increase via their app and you’ll also be told if it’s a hard or soft pull.
Update: Citi will now tell you if it’s going to be a hard or soft pull online. To find out how to tell, read this post.Citi seems to do both soft and hard pulls
, usually if they come back with an instant decision a soft pull has been performed whereas if they require more time a hard pull will be performed. If you call and ask the customer service representative should be able to tell you if it will be a soft or hard pull if you proceed, but this really depends on how knowledgeable the phone representative is and you should always be expecting a hard pull and be happy if a soft pull occurs.
Soft: 1, 2
Hard: 1, 2:Discover
Even the Discover site itself reports two different things, at the start of their credit line increase application form it says “…which may affect your credit score”, then further down it says “…this request will not affect your credit score”
discover credit line increase request
In reality it depends on how large of a credit limit increase you want. Small increases can be done without a hard pull, large increases require a hard pull.
This is how the process works:
Enter in the credit limit increase you want and all other relevant information
Discover will either give you the increase (in which case only a soft pull is done) or they will counter with another offer.
If you reject their offer it’ll give you the option to request further review, if you click this button a hard pull will be performed.
A similar course should be followed if you call up, but this is not always the case which is why it’s best to use the online form.