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-]
Sep 23, 2013, 11:57 am
#32
Join Date: May 2011
Posts: 77
You are wrong. Most ask anyway as belt an suspenders but if you read the Fair Credit Reporting Act, it permits creditors to pull credit reports for certain specified purposes which include the scenario above. There may be additional state law issues that come I to play, but at the federal level, that's how it works.
Jan 22, 2014, 3:36 pm
#34
Join Date: Jul 2011
Location: CT
Programs: HH Diamond, Marriott Platinum
Posts: 429
Credit limit increase
I have been hitting my Citi TYP pretty hard lately and when I logged in today they are offering me a credit increase because I am close to tpping out. I want to do it but I don't know if I get hit with a hard inquiry which would be a deal breaker. Anyone know the answer? Thanks
Jan 22, 2014, 6:15 pm
#35
Join Date: Jan 2014
Posts: 3
I've called my CC companies on a few occasions to ask for credit line increases. This has not resulted in hard inquiries for me. I'm under the impression they look mostly at your account history with them, whether you pay on time, what kind of monthly spend, etc.
EDIT: It just occurred to me that it might make a difference how much of an increase you are asking for as well.
EDIT: It just occurred to me that it might make a difference how much of an increase you are asking for as well.
Jan 22, 2014, 11:54 pm
#38
Join Date: Aug 2012
Location: Angels
Posts: 196
I have been hitting my Citi TYP pretty hard lately and when I logged in today they are offering me a credit increase because I am close to tpping out. I want to do it but I don't know if I get hit with a hard inquiry which would be a deal breaker. Anyone know the answer? Thanks
Jan 23, 2014, 7:56 am
#39
Join Date: Dec 2010
Posts: 352
If they offer almost always there is no credit check. The only time (I know of) that they check is if you ask and they don't instantly say yes.
Once years and years ago I asked for a bump on my Discover credit line which was $1500 at the time, they looked at my history, payments, etc and said they could do $2500 then also said if I want/need more they would need to run a credit check.
Once years and years ago I asked for a bump on my Discover credit line which was $1500 at the time, they looked at my history, payments, etc and said they could do $2500 then also said if I want/need more they would need to run a credit check.
Jan 23, 2014, 8:25 pm
#42
A FlyerTalk Posting Legend
Join Date: Sep 2009
Location: Minneapolis: DL DM charter 2.3MM
Programs: A3*Gold, SPG Plat, HyattDiamond, MarriottPP, LHW exAccess, ICI, Raffles Amb, NW PE MM, TWA Gold MM
Posts: 100,399
Some cards and bank overdraft lines have a norm that you can get a modest increase every year or so without a hard pull on your credit report history if your record with them is good. Other cards will do a hard pull even for a temporary credit line increase. You should be able to ask before proceding.
Jan 28, 2014, 4:45 pm
#43
Join Date: Sep 2012
Location: ORD
Posts: 269
Question on inquiries for Barclays
Hello all,
I've been putting a lot of spend on my arrival and would like a cli but when I called Barclays they said it would take an inquiry to try for a cli.
I've had a good amount of inquiries lately but already applied and was approved for the 100k Citi American Airlines card today.
Would I be better off finding another Barclays card to apply for today as a mini app party and if I'm denied try to use the inquiry for a cli for the arrival? Or just stay away all together?
I've been putting a lot of spend on my arrival and would like a cli but when I called Barclays they said it would take an inquiry to try for a cli.
I've had a good amount of inquiries lately but already applied and was approved for the 100k Citi American Airlines card today.
Would I be better off finding another Barclays card to apply for today as a mini app party and if I'm denied try to use the inquiry for a cli for the arrival? Or just stay away all together?
Mar 1, 2014, 10:10 am
#44
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,452
Moderator Housekeeping
Just moved several discussions regarding Chase cards to the appropriate thread (http://www.flyertalk.com/forum/chase...solidated.html) and added a wikipost with a link.
Mar 6, 2014, 8:42 am
#45
Join Date: Jun 2013
Location: SEA
Programs: Bonvoy Platinum, HH Gold
Posts: 82
Hello all,
I've been putting a lot of spend on my arrival and would like a cli but when I called Barclays they said it would take an inquiry to try for a cli.
I've had a good amount of inquiries lately but already applied and was approved for the 100k Citi American Airlines card today.
Would I be better off finding another Barclays card to apply for today as a mini app party and if I'm denied try to use the inquiry for a cli for the arrival? Or just stay away all together?
I've been putting a lot of spend on my arrival and would like a cli but when I called Barclays they said it would take an inquiry to try for a cli.
I've had a good amount of inquiries lately but already applied and was approved for the 100k Citi American Airlines card today.
Would I be better off finding another Barclays card to apply for today as a mini app party and if I'm denied try to use the inquiry for a cli for the arrival? Or just stay away all together?
Oh and I keep getting balance transfer checks but it does not have a large enough limit to warrant a balance transfer.