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 01:36 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:
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