Originally Posted by ap1 (Post 19201901)

I applied for the Virgin Atlantic BofA card over the weekend online, and was approved but with a small ($3000) credit line. This morning I called in and asked if I could do a credit line consolidation, moving the $5000 credit line that I have on an old Hawaiian card to the new card, cancelling the old one.

They took my social at the beginning of the call, and after I explained what I wanted the agent asked some income verification questions, then said she would put me on hold to see what she could do. At that point I said I just wanted to verify that there would be no hard credit pull, and she told me she'd ALREADY done one.

Am I out of line in thinking that's pretty outrageous?! I told the agent that BofA had pulled my credit literally 24 hours earlier, and I'd been clear from the beginning about wanting to shift existing credit, not apply for more. She told me that BofA doesn't do consolidations and still considers a credit shift an application for a credit line increase, necessitating the pull. Fine, but why wasn't I told that before she did it?

The agent filed a dispute to get the pull removed, and said I'd be contacted shortly by phone by the dispute team to follow up. This just happened, is there anything else I should do? I feel pretty irritated; am I even partially to blame here?