Regarding the online CLIs, here's what displays when I click on the "request an increase" link that always appears in the left hand sidebar:
"In factoring our decision for a credit line increase on a personal account, your account performance and credit status will be reviewed. This request will not result in an inquiry to your credit report unless you are notified that it is required, and the decision will not have any impact on your credit history.
To request an increased line of credit, complete the form and click the "Request Credit Line Increase" button. By clicking the "Request Credit Line Increase" button, you authorize Bank of America to review your credit and employment histories and any other information in order to process this application, service your account and manage our relationship with you."
I.e. they do a soft pull.
This form does have a space to request a specific increase.
Last time I used it, they counter-offered (line was 3.6k, requested 10k-ish, got 6.7k; highest reporting cl at the time was 5k). I tried to recon and the credit analyst said she would try a soft first. If she couldn't approve me with that, she could then try with a hard on a different report if I wanted. She was going to look at my TU and I laughed, "Go for it." Nobody has ever harded my TU, still haven't. (She turned me down on an income technicality, but no matter.)
Message Edited by missfrustration on 05-17-2008 10:57 PM