Does credit line increase generate hard pull?
Sep 10, 2009 | 12:30 pm
#1
Original Poster
Join Date: Aug 2009
Posts: 544
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?
View 08/24/2009 Experian New Trade Line 10/23/2010
Is this considered a hard or soft pull?
Sep 10, 2009 | 2:18 pm
#2
Suspended
Join Date: Nov 2008
Location: Usa
Programs: mgsetleGD
Posts: 140
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
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
Sep 10, 2009 | 5:24 pm
#3
Join Date: Oct 2006
Location: AUS, LAX
Programs: AA EXP - 2.4 MM, Admirals Club, Hilton Diamond, Marriott Titanium, Avis Presidents, National Exec
Posts: 1,655
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.
Sep 15, 2009 | 6:37 pm
#4
Join Date: Apr 2003
Location: Silicon Valley, CA
Programs: AA-PLT, DL-SLV, JL-SAPPHIRE, Hyatt Diamond, *wood Gold
Posts: 118
Yes, if your Citi Identity reported that your bank viewed your Experian report, it means "hard pull."