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  1. #1
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    Default CLIs soft pulls, how?

    for AMEX you can get CLIs soft pulls every 6 months through your online account, I was wondering how does it work for Chase cards and other cards.
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  2. #2
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    It works the same way for Citi and Comenity.. You request a certain amount, if its more then they want to give you they may counter offer it with a lower amount for a soft pull or if you want to push for the original amount you can go ahead and let them do a hard pull. (Citibank denied me originally online for my requested increase from $1800.00 to 4k, and then after calling and giving them permission to do a hard pull they gave me the 4k. The funny thing is that a hard pull never showed up from Equifax, Experian, or Transunion. I guess I got lucky).
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  3. #3
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    Bank of America's website used to allow you to apply for CLI without a hardpull since all you did was input your income, rent/mortgage, occupation and desired increase. Now however that has changed, same format and system but they def do a hard pull, at least i got twice my current limit for the hard pull but still sucks.
    Amex Zync - NPSL (Cleared up to 25k)
    Amex BCE - 12000 limit
    Amex BCP - 4200 limit
    FIA Rewards Amex- 3500 limit
    Chase Freedom - 2000 limit
    Chase Slate - 2000 Limit
    BoA Cash Rewards Privileges- 3000 limit
    Barclaycard Rewards MC - 3000 limit
    Discover IT- 3500 limit
    Marriott PR- 5000 limit
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    Quote Originally Posted by Rory View Post
    Bank of America's website used to allow you to apply for CLI without a hardpull since all you did was input your income, rent/mortgage, occupation and desired increase. Now however that has changed, same format and system but they def do a hard pull, at least i got twice my current limit for the hard pull but still sucks.
    I got a CLI from Bank of America last month and I didn't get a hard pull. I did call them directly about it and didn't use the web interface, for what it's worth.
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  5. #5
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    Does Chase do this too? Or is it always Hard Pulls?

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  6. #6
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    Quote Originally Posted by kcarter609 View Post
    Does Chase do this too? Or is it always Hard Pulls?
    In my experience, Chase is *always* a hard pull. On rare, rare occasion I have heard stories of people requesting a CLI by phone and stating strongly they only want it to be considered via soft pull and it worked. But this is too few and far between. I always assume HP with Chase.
    Equifax: 753, Transunion: 742, Experian: 740
    Discover It 10,000
    USAA Total Rewards Visa 16,000
    AmEx HH 16,300 | AmEx BCP 2,000
    Chase Freedom Visa 10,000 | Chase Slate Visa 1,500
    PenFed Platinum Visa 10,000 | PenFed Line of Credit 3,500
    CapOne Platinum Mastercard 5,000 | CapOne Best Buy 4,500 | CapOne Orbitz Visa 1,000
    OnPoint Platinum Visa 5,500 | Barclays NFL Visa 2,500 | US Bank Cash 1,500 | KeyBank PLOC 1,500
    Amazon Store Card 400
    Total Credit Line: $91,200 -- Last Updated: July 28th, 2013
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