CLIs soft pulls, how?

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lexrj
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CLIs soft pulls, how?

Postby lexrj » Thu Jan 31, 2013 8:57 pm

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.
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclay Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1


paparoach429
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Postby paparoach429 » Thu Jan 31, 2013 9:32 pm

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).

Rory
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Postby Rory » Thu Jan 31, 2013 10:18 pm

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
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:


Sevenfeet
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Postby Sevenfeet » Fri Feb 01, 2013 10:25 am

Rory wrote: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.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

kcarter609
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Postby kcarter609 » Fri Feb 01, 2013 6:52 pm

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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nomnomnom
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Postby nomnomnom » Sat Feb 02, 2013 3:58 pm

kcarter609 wrote: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.
[CENTER][font=Arial][size=60]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[/size][/font][/CENTER]



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