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Does requesting a Credit Line increase......

New Member

Does requesting a Credit Line increase......

.....count as a inquiry on your credit report/score that will HURT your score?

 

Just wondering if requesting the increase counts toward "Applying for new credit"  and all that garbage.

 

Thanks.

3 REPLIES
Contributor

Re: Does requesting a Credit Line increase......

What Credit Card?  It all depends on the Credit Card Company. 
8/30/08 Fico TU 678 EX 648
8/16/08 Fako TU-599 EX-631 EQ-589
8/01/08 Fako TU-599 EX-620 EQ-589
Senior Contributor

Re: Does requesting a Credit Line increase......

this varies by issuer.  Chase, for example, is notorious for placing a hard inq. in response to a cli request.  while many other issuers, Capital One for eg., will typically accept a cli request with a soft inq. which doesn't impact score and isn't viewable to others who review your report.


SkruDe wrote:

.....count as a inquiry on your credit report/score that will HURT your score?

 

Just wondering if requesting the increase counts toward "Applying for new credit"  and all that garbage.

 

Thanks.


DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
New Member

Re: Does requesting a Credit Line increase......

I'm glad I got rid of my Chase card then when Chase bought WAMU.  I miss WAMU..... Smiley Sad

 

Anyways, I replaced me Chase card with my WFB Cabelas Card.  (Worlds Foremost Bank). I have a sense that know one knows if they do or not since they are a credit card owned an operated by Cabelas.  So I might have to ask them???

 

Also, for the hell of it, how about Citi and HSBC?

 

Thanks.