[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.
What that means is that the CSR didn't do a hard pull. It doesn't mean it isn't new credit.