09-22-2011 01:14 PM
As far as I know, HSBC CLIs are soft inquiries. I requested an increase back in june and a hard inquiry never appeared on any of my reports. I requested an increase on my Orchard bank card today and I checked all of my reports after... no hard inquiry.
09-22-2011 01:20 PM
09-22-2011 01:36 PM - edited 09-22-2011 01:40 PM
gbishere, that's the exact message I received when I hit the luv button, received an e-mail later that evening I believe stating they had increased my limit and didn't have to pull my credit.
Sweet! Fingers Crossed! what was the increase ?
Edit- nevermind saw your other thread. I have the bbrzmc though, the gold version. originally 300. increased to 400 during the last spurt of increases. Lets see what happens.
09-22-2011 02:01 PM
I'm surprised that a lot of you guys have the CLI request button.
I have a Gold BBRZMC and went through all the menues but I don't have one. Card has always been in good standing since I got it 3 years ago but I'm stuck at a CL of $300.
09-22-2011 02:05 PM
09-22-2011 02:08 PM
No increase for my Orchard (gold, if that matters) card. I've only had it since June 8th, however. My current limit is $320. I got the "call to process request" and received an instant denial. I thought I might have a chance since I'm prequalified for their "platinum" card now... I know, it obviously doesn't mean anything. Oh well. Hopefully they do this one more time before they hand it over to Cap1 and I can get in on it. Congrats to those that have had luck.
09-22-2011 03:26 PM
I called to ask for a PC to something that wasn't getting sold to Cap 1 but the rep said at this point they didn't know which cards were getting sold. Then I asked for a CLI, they took my info but I was denied. Guess I've moved on to a bad luck streak.
09-22-2011 05:17 PM
Cards paid off, in great standing for years, and no such button. The FAQ says:
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.