- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
My (totally failed) attempt to get a soft-pull CLI today on my Chase Freedom...
I was in the local Chase branch to make a deposit, and met in person with one of the general customer service representatives. I thought that getting a limit increase might be easy if I went there in person, given that I've had a checking account there for a while.
I said I wanted to get a limit increase on my card, and the branch CSR immediately called a central Chase office. After showing my driving license, verifying my SSN, and so forth, the central Chase CSR said she could put in a request for a CLI. I asked if it would require a hard pull or a soft pull, and she said it would be a hard pull. I asked how many credit bureaus they would check, or if I could pick them, and she couldn't tell me how many or which credit bureaus they would check with.
I said I thought it was kind of ridiculous. I pointed out that I had been a checking customer there for nine years. I had recently been keeping $12k-$15k in the checking account, and had made timely payments in full every week on the credit card since I opened it seven months ago. I was typically putting $1000 per month on the card, so having a $600 limit was just inconvenient. I mentioned that I had recently opened a Discover and an Amex, and that a hard pull on TransUnion would be okay, but that I didn't want the possibility of three hard pulls.
Now, if I was trying to take a $5k limit up to $20k, then of course at least one hard pull would have been reasonable. But to take a $600 limit up to, say, $2k for a customer who keeps 20X+ his current credit limit in checking at their own bank? Can't they at least tell me how many different credit reports they'll need to pull? It just seems ridiculous!
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech