The CSR told me that she will submit the application which will be a soft inquiry, and if the system doesn't allow an increase, then I will have the option to go for a hard inquiry.. for which I would have to give consent first.
I was not approved for a CLI, and I said "no thank you" for the hard inquiry and hung up.
That is the exact thing a CSR told me when I called them, and was not approved as well.
I have not received a letter yet mentioning the reason of my denial. Lets hope there is no credit score report with the letter (can't afford a HI now).
Any update on your situation? Was it the hard inquiry? Did you call them?