Credit Cards

[splacencia]

Just called and received a $100 increase. Good ol Orchard and their small increases. Just trying to age this card out. Cant say I really use it anymore.

[Iincognito]

Can anyone confirm (by checking their CR) if these are hard pulls? I would be curious to know since I still have a couple of older accounts with them.

[Cotton_Britches]

Asked for CLI on my $300 Household Bank card and it was declined. I'm going to drop this card before the annual fee is due next year.

[fot1]

Did anybody get hit with a hard pull on CL?

[stan_the_man]

I did when going from $300 to $15K on my HSBC-issued GM Card.

When talking to a representative, I think they can do up to a 100% increase in your credit line without a hard pull.

[pmarti8]

My 100 dollar rzmc got a 300 cli acouple days ago when I called, new credit line of 400. I'm not really worried if it was a hard pull but I don't think it was since it was instant. Either way, I'm glad I don't have that stupid 100 dollar credit card anymore. 

I have the same card with the $100 limit.  I see HSBC still doesn't allow CLI requests online.  Did you call and speak to a rep or is there an automated phone prompt to request?

Encouraged by all the credit line increases I went online and guess what, they are doing CLI online now.  Just went from $100 to $400!!!  I would try again they may have just opened it up!.

[Hopelives2]

eh....

Mine says:

Form Unavailable

In order to process your request, please contact us to speak to a Customer Care representative. 

[Hopelives2]

Didn't care one way or the other but I was declined upon calling into customer service.  The rep said they'd send a letter... and then wanted to sell me more HSBC services.

Thank I'll pass on that.    and cancel them in December before AF.

Oh, and it is a HARD pull on CR.

[slg]

Ive had my card since 09 with perfect payment history. I called and asked about the soft vs hard pull and the CSR told me that he can request and see if i am preapproved based on my income for a soft pull and if they need to do a hard pull he can see it and stop it. In my case i was pre approved for 100 cli with a soft pull. ill let everyone know if i pull my report and see something different. 300 to 400 now... i guess its not bad since no hard pull but i plan on canceling soon anyhow.

[Induction]

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Induction wrote:

I can confirm,  called back door number. Nice CSR put it through, the results were instant, went from 300 to 4500 , I think this was a mistake. I'm not gonna take it past 500 for fear this being a mistake.

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Update:

Was a system fluke, got a message in my online OB message center saying they would give me a $50 bill credit for the mistake. New CL is 400..woo... -.-