Originally Posted by
pinniped
Is there a phone number for the "credit team"? How do people reach that group?
That's not what I'm talking about. I'm talking about a discussion and agreement to move the credit line before the hard pull is done. I understand they have to grab a "fresh" credit report to open the new account but I would want that done by the banker with whom I made the agreement, preferably while I'm on the phone.
From my experience, it seems that the software that assesses your credit sees a credit line reduction as a negative, so maybe it's better to wait for a rejection, then have them rearrange credit lines.