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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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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
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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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. 


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

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
Valued Contributor
Posts: 1,959
Registered: ‎01-24-2012
0

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.

Valued Contributor
Posts: 1,275
Registered: ‎09-22-2009
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Re: CLI planing.....

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

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