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Does credit line increase generate hard pull?
I requested a credit limit increase and noticed on my Citi Identity monitoring this:
View 08/24/2009 Experian New Trade Line 10/23/2010 Is this considered a hard or soft pull? |
Hard/soft pull depends on the cc issuer.
Citi cards are a soft inquiry unless you fill out the form. Filling out the form is a hard pull. Chase is almost always a hard AMEX luv usually soft. More info at FW CLI strategies |
FWIW, AMEX has been good about not pulling or at least soft pulling. Over the course of time, I've increased my SPG and HH Amexs from around $8k to over $30k without incurring any credit hits. I spend a lot and payoff every month, before I used to pay off multiple times because I'd regularly exceed the $8k limits. I had a couple stops between 8k and 30k on each card, but never had a pull. The disclaimer does mention a credit check possibility if I recall.
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Originally Posted by show_me_the_points
(Post 12360590)
I requested a credit limit increase and noticed on my Citi Identity monitoring this:
View 08/24/2009 Experian New Trade Line 10/23/2010 Is this considered a hard or soft pull? |
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