- Centurion Member
- Posts: 196
- Joined: Tue Dec 03, 2013 1:53 pm
- Location: Dallas
Chase is always a hard pull. The CSR I talked to confirmed that every pull from a lender on borrower's request is a hard pull.
Cap One is horrible to deal with, but it was my oldest card so I have to keep it. It's still at $2,500.
Citi Banks will let you know whether they pull your credit or not to make decision. You can do it online, give them your current annual income, it will comes back either offer you an increase or request to pull your credit. You have the right to say no at that point.
Amex has the same process as Citi, but they won't pull your credit. They usually offer a limit lower than your request a little bit (like me, I request $27,000, they came back with $26,200)
Discover will ask kind of different a little. They will ask how much do you want for the increase, instead how much do you want for your NEW limit. It will let you know whether a pull is made or not together with their decision. You didn't have the right to cancel your request.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.