I was in Nordies doing a bit of shopping and decided to stop in and see if I can get a CLI. I told the CSA I did not want or need it if it required a HP, but she was not sure of how it was done. She was sure it was not a HP.
She put me on the phone with corporate (they have their own bank.) I had asked for a 3K increase. They asked for my salary and informed me that most of the time they do no pull whatsoever. If it is a larger amount they will. They also said they can do them in six month increments, so if it is shorter than 6 they won't. For me it was 2 years.
She put me on hold and came back, granting me 1500 instantly and said that I can do it again in six months. This is with no pulls at all.
This is the store card; not sure if it applies to the Visa.
And I did not even have to step out of the garden. I love Nordstrom.