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I would save the hard pull unless you need the CLI and deposit back immediately. They auto CLI'd me in 9 months it was a nice surprise I wasn't worried about it until 1 year then I would have inquired. Patience has worked out fine for me. Do I want more credit then I have sure do I need more that's debatable. More would allow me to use what I need with less and less utilization impact it would change my spending or way of life much otherwise.
@Ragelog wrote:I would save the hard pull unless you need the CLI and deposit back immediately. They auto CLI'd me in 9 months it was a nice surprise I wasn't worried about it until 1 year then I would have inquired. Patience has worked out fine for me. Do I want more credit then I have sure do I need more that's debatable. More would allow me to use what I need with less and less utilization impact it would change my spending or way of life much otherwise.
Same here, I just got unsecured last week. From $500 to $2000. This was 9 months in as well. No derogatories, always paying in full before the statement cut, and not maxing out my card, did it for me.