Originally Posted by
Tim in Hollywood
Capital One Spark Business card.
Not really concerned about my credit score. No plans for major financing needs in the near- or medium-term future, so hard vs soft pull is largely irrelevant to me.
If that is the only card you are going to request an increase for the time being, then go for it; hard pull or soft.
Thing you want to avoid is many hard pulls occurring within a short period of time. Not only does this ding your score but can (and often does) send warning signals to anyone issuing credit.
At best it looks like someone in a tough financial spot. At worst multiple hard credit pulls can signal suspicious activity like credit fraud.
Just go ahead and make the request; they can only say "yes" or "no".