Credit Line Increase Hard Inquiry?

[Anonymous]

Is a credit line increase request considered a hard inquiry? I am thinking of asking for an increase to some of my credit lines as long as it does not affect my credit score. 

[Gmood1]

Depends on the lenders. Some do a soft pull while others will hard pull your CR. The SPs don't affect your scores at all.

[Anonymous]

Thanks for the info. What is an SP? Thanks!!

[Gmood1]

SP is short for soft pull. Who are you trying to request a CLI from? We may know if it's a SP or HP.

[Anonymous]

Blaze Mastercard and First National Credit Card

[Anonymous]

A quick search yielded First National allows call in SP CLI request every 4 months, Blaze on the other hand, no idea.

[Jimp2323]

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@Anonymous wrote:

A quick search yielded First National allows call in SP CLI request every 4 months, Blaze on the other hand, no idea.

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Both cards are from the same lender so I would think that the policy would be the same.

[Anonymous]

When you request the CLI they will tell you if it gonna be an HP or an SP before the do it. A HP will prob a verbiage like "a credit report will need to be obtained"

[Anonymous]

FYI just a heads up
Blaze isn't the type of vendor, one wants to be attached to long term...
To be polite, they are a bottom-feeder high % fee harvester targeting vulnerable audiences.

At best, they are a Slam, Bam, Thank you Never Again Ma'am type vendor

Friendly advice is to NOT get into real debt with them and as soon as possible app for better tier vendors and move on
You'll thank me later
Best of luck

[Meanmchine]

I have all four of those bank's cards.  Legacy, 1st Saving, Blaze and Show.  All of them for me so far have been SP CLI.  They have served their purpose for me and will be closed when the AF for each rolls around again.  Good luck OP. As a side note, they will also do a 12 month reduction of the APR if you ask