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CLI planing.....

Valued Contributor

CLI planing.....

Don't worry I am not asking for CLI now...just trying to plan them out....discover will be in April since it will be six months. I also plan on asking for CLIs on all my chase cards just don't know when. I may try for a BOA CLI too...bby still sp?


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 1 of 5
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Valued Contributor

Re: CLI planing.....


afbar1114 wrote:

Don't worry I am not asking for CLI now...just trying to plan them out....discover will be in April since it will be six months. I also plan on asking for CLIs on all my chase cards just don't know when. I may try for a BOA CLI too...bby still sp?


Chase cards are notorious for HP for customer initiated CLIs. 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 2 of 5
Valued Contributor

Re: CLI planing.....

Ok so I know some banks do a HP for a CLI. And I know there's 

 

chase-HP

BoA- HP/SP depends some times

AMEX-SP for denial if your already a holder

Kohls-SP

cap1-SP

 

i would like to know about discover and  does BBY still do SP?


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 3 of 5
Valued Contributor

Re: CLI planing.....

American Express is never a hard inquiry for a credit limit increase and I have never known Bank of America to be a soft inquiry.

 

Discover was a soft inquiry for me both times with the option to initiate a hard inquiry if I wanted more. They will tell you if it is hard or soft before doing it.

Message 4 of 5
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Valued Contributor

Re: CLI planing.....

i went for CLI's on my Chase, BOA, and Discover card last year, and all three were hard pulls.  

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 5 of 5