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BOA soft/hard

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umair
New Contributor

BOA soft/hard

Called BOA today.. I just recived their card a few weeks ago and i have been using that for almost everything.. Just got to know I'm flying and thought will ask for an increase in limit ...

the rep suggested that it will be a Hard pull versus a soft pull...

I guess BOA is now a hard pull.. did anyone find that recently?

 

Message 1 of 5
4 REPLIES 4
Creditaddict
Legendary Contributor

Re: BOA soft/hard

I think it's only because you have not had your card for 6 months...

Message 2 of 5
vish1
Valued Contributor

Re: BOA soft/hard

 


@umair wrote:

Called BOA today.. I just recived their card a few weeks ago and i have been using that for almost everything.. Just got to know I'm flying and thought will ask for an increase in limit ...

the rep suggested that it will be a Hard pull versus a soft pull...

I guess BOA is now a hard pull.. did anyone find that recently?

 


Unless you are looking to app some credit real soon, you should be fine with that. btw, you may be lucky and not have a HP even though the exec says that. When I got my card unsecured, I was told multiple times that this will be a hard pull, but no hard pull showed up on my credit file.

 

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Message 3 of 5
midtowneastbored
Established Member

Re: BOA soft/hard

I just called them today for a CLI (after hitting the Luv Button for the first time in two years) and they said it was a soft pull (and gave me a great CLI in the process!)

Message 4 of 5
umair
New Contributor

Re: BOA soft/hard

I think the CA was not in a good mood when I called... I'm not applying or asking for any changes on the Credit now... Will make heavy use on the card and 6 months from now we will see where we stand..!!

 

 

Message 5 of 5
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