Mar 1, 2014, 10:09 am
Last edit by: MDtR-Chicago
This thread is for CLI experiences and questions with all issuers EXCEPT Chase. For Chase cards, see this thread:
Chase Credit line increases / CLI [Consolidated]
Chase Credit line increases / CLI [Consolidated]
Credit Limit Increase / CLI - Experiences and Questions [2013-]
Aug 12, 2013 | 8:04 pm
#18
Join Date: Dec 2011
Posts: 375
No.
Aug 12, 2013 | 9:23 pm
#19
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
It won't drop too many points.
Main question that you need to ask yourself, is if you're willing to go to war over this?
You'll have to call and call and argue and fight to get somebody to take that pull back.
If it was me, I'd do it. Because it's the principle of the thing.
But that's a decision you need to make for yourself.
Aug 12, 2013 | 10:36 pm
#21
Join Date: Nov 2007
Location: DFW
Programs: Marriott Lifetime Titanium, HH Gold, AA Lifetime Gold, United Silver, BA Gold
Posts: 877
help! got a hard pull for cli
It will bring down by about 10-15 points. Also, most CC companies do a Hard Pull when requesting an increase (just so u know)
Aug 13, 2013 | 12:24 am
#23
Join Date: Aug 2013
Posts: 10
Quote:
Originally Posted by DFWsakp View Post
It will bring down by about 10-15 points. Also, most CC companies do a Hard Pull when requesting an increase (just so u know)
the thing was that the first customer rep told me that they might not need to because they did a soft pull about a month ago. unfortunately everything we discussed didn't get through to the guy he transferred me to , anyway thank you, I'll see what can be done in a couple days.
Originally Posted by DFWsakp View Post
It will bring down by about 10-15 points. Also, most CC companies do a Hard Pull when requesting an increase (just so u know)
the thing was that the first customer rep told me that they might not need to because they did a soft pull about a month ago. unfortunately everything we discussed didn't get through to the guy he transferred me to , anyway thank you, I'll see what can be done in a couple days.
Last edited by adgs3aw; Aug 13, 2013 at 12:30 am
Aug 13, 2013 | 6:00 am
#25
Join Date: Jul 2011
Location: TUS
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,656
help! got a hard pull for cli
Had a few hard pulls and my score didn't move much. But then there is the ever changing utilization etc do it is hard to tell but I would say less than 10.
But it all depends on which score, how high was it, how many pulls in the last few years, ..... And has the higher line an off setting effect?
But it all depends on which score, how high was it, how many pulls in the last few years, ..... And has the higher line an off setting effect?
Aug 13, 2013 | 8:18 am
#26
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
If it doesn't, that's when she informs me that proceeding now would result in a hard pull, and whether I give my permission or not.
Aug 13, 2013 | 1:17 pm
#27
Join Date: Oct 2010
Location: LAS
Programs: Southwest, United, Marriott
Posts: 161
Why would you call for a CLI? Seriously?
I have requested CLI's online through citi and never ONCE gotten a hard pull. Calling the CSR's over the phone will get you hit with a hard pull.
You deserved it.
I have requested CLI's online through citi and never ONCE gotten a hard pull. Calling the CSR's over the phone will get you hit with a hard pull.
You deserved it.
Aug 13, 2013 | 1:19 pm
#28
Join Date: Oct 2010
Location: LAS
Programs: Southwest, United, Marriott
Posts: 161
Aug 13, 2013 | 2:16 pm
#29
Join Date: May 2011
Location: CGN
Programs: DL PM, HH Gold
Posts: 109
It'll go down for the inquiry, but depending on the increase, it'll go up due to more available credit and lower utilization.
Don't fret it. Most people on this board will go through a couple hard inquiries a year, and the majority of them see their credit scores remain roughly the same or even increase with more credit being allocated to them. As long as you continue to make on-time payments and apply for new cards sparingly, this really will not make a difference at all.
Edit: Plus, I see you said your score is 780. Truly, a drop in even 30 points (which won't happen from one hard inquiry) won't affect your credit worthiness in the slightest.
Don't fret it. Most people on this board will go through a couple hard inquiries a year, and the majority of them see their credit scores remain roughly the same or even increase with more credit being allocated to them. As long as you continue to make on-time payments and apply for new cards sparingly, this really will not make a difference at all.
Edit: Plus, I see you said your score is 780. Truly, a drop in even 30 points (which won't happen from one hard inquiry) won't affect your credit worthiness in the slightest.
Aug 13, 2013 | 5:43 pm
#30
Join Date: Jun 2012
Posts: 34
As many have said, it may not be worth your time. However, I've had no problem in the past removing unauthorized inquiries (one was DirecTV and the other was a duplicate pull from Chase). The hardest part will be navigating customer service to find the right department and person to speak with. Once you do, it won't be too hard to reverse it. They will hopefully have your call recorded or defer to your persuasive explanation.