- Centurion Member
- Posts: 3746
- 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!
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when