[QUOTE=koolr;19202044]
Originally Posted by
Often1
You are to blame. You are asking for an extension of new credit (even when you are moving existing credit lines). Checking credit is part of the extension of credit.
QUOTE]
Not necessarily. I asked AmEx to increase my credit line from 15K to 25K and I asked the rep if she could do it without a Hard pull. She said yes, and she increassed it without a hard pull.
You were lucky, I would still be nervous I would get a hp and not do it.
All it takes is a misinformed rep and we have all talked to one of those before. Doing it yourself online would seem safer if it can be done