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Hi everyone, I had a strange situation and I was wondering if anyone ever ran into this.
I have a Visa card from BofA. I got it graduated from a secured card to unsecured about 6 months ago, and I've had it since 08.
Anyway, my limit on the BofA was 500 after it became unsecured, but I decided to try to increase it to 1000. I went online, filled out the form, and it told me I should call to get an "instant answer". I didn't call right away. The next day, I called and spoke with a rep, and after about 15 minutes they upped my limit as requested.
Now, here's where it gets weird. I didn't know that when I made the request online, they'd do any pull, hard or soft. I figured when the message came up to call, it was an indication that they were not doing online credit bumps. Today, I received a letter from BofA declining my credit increase. This was from the online attempt. However, my limit is in fact 1000. I'm assuming that when I called, a hard pull was performed, because I was asked questions about my loan debt, and how long I'd been working.
Has anyone ever had a hard pull prove to be more beneficial than their soft pull?
No one? No ideas, thoughts, anything?
I'm assuming that you were declined initially and that your call was treated as a recon. The letter from the initial decline got to you a few days later.
+1 What Walt_K said!
Ray