Hi, I would like a definate answer as to if Capital One does a hard pull on your credit report if you ask for a CLI? Also, I perfer to call an automated system instead of talking to a live person. If I call the automated system, anyone know how that works and if a hard pull is done? I absolutely cannot afford to get a hard pull done right now since I'm planning on looking for a home this year. My credit limit has been stuck at 750 for over 1 year. I had the card for 1 year and 6 months. So its hard to keep my utilization ratio under 10%. I would like a CLI to decrease the ratio so that my credit score can go up higher. Thank you.