creditcruncher wrote:Bank of America does hard pulls for credit line increases. Most if not all banks do this. Things like requesting a lower APR no dot require a hard pull, and banks do soft pulls if they pull at all. A lot of the time they will go off of your payment history with them.
But to answer your question, hard pull for credit limit increase, every time, no exceptions.
funny amex has raised my limit 3 times and each time I said I only wanted a soft pull and they said fine, last time they raised me 10k to 25k on a soft pull, I guess that's why I love amex!