Credit Cards

[afbar1114]

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?

[chnceit]

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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?

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Chase cards are notorious for HP for customer initiated CLIs. 

[afbar1114]

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?

[navigatethis12]

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.

[android01]

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