06-01-2012 03:09 AM
i just login this morning to my account and i see Request increase button so is it soft or hard pull ?
06-01-2012 05:20 AM
06-01-2012 09:04 AM
It is there for me... I hit it last month and they declined me. Then it went away for a few days and came back. Not going to bother hitting it again for now.
06-01-2012 09:36 AM
When you click the button you will either be told to call in or given a form to fill out with income / personal info. The call in to the CSR is usually (almost always) a hard pull. If you fill out the form it will ask how much CLI do you want. Then the system responds with we can increase you by XX. If you need more call in. That increase is a soft. If you call in then it's back to hard pull. At least this has been my experience. When I get the call in I just cancel out of the request.
06-01-2012 09:52 AM
Just did this a couple of days ago. The first portion asks for income and employment and the amount you would like. I entered an amount that apparently was above some threshold so it came back with a message that a hard pull woul dbe necessary to see if I was allowed that much. I did not continue and just cancelled the request, then I went into it again and asked for less and the system came back with a message that I could not be approved for that much but they counter offered. Interesting because the counter offer was the same amount I asked for. Say yes and boom you have the new amount.
06-01-2012 02:01 PM
Under Help Center I see
Request a Credit Line Increase
Request a Credit Line Decrease
I think I will wait til I am atleast 6 months of having the card, be getting my 2nd statement Monday and it still has not reported to CRA's
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO