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-   -   Does credit line increase generate hard pull? (https://www.flyertalk.com/forum/credit-card-programs/993737-does-credit-line-increase-generate-hard-pull.html)

show_me_the_points Sep 10, 2009 12:30 pm

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?

moo-moo Sep 10, 2009 2:18 pm

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

BrianV Sep 10, 2009 5:24 pm

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.

tsuruke Sep 15, 2009 6:37 pm


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?

Yes, if your Citi Identity reported that your bank viewed your Experian report, it means "hard pull."


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