MemberSince99 wrote:You can always call and ask, IF you want to take (in my case) two hard pulls, and still possibly be declined. (I was). Others may only take one hard pull, but let's face it with Chase 99% of the time when you request it, it will be a hard pull.
Which is the correct behavior: it's a consumer seeking credit, which should get a hard pull. A lender initiated credit limit increase, though, is not a consumer seeking credit, it's a lender decideding that, based on the consumer's behavior, they should have a higher limit. that's true even if they have to say "hey, tell us what you make, so we can see if you get an increase.".
(I also think inquires should be finer grained than hard/soft pull, but that's an entirely separate matter.)