@trumpet-205 wrote:I have no experience with WF. Chase and BofA don't do SP for CLI request, it is always HP for them.
If you request CLI online Citi usually try to counter it first. if you accept counter offer or the request was approved instantly it is usually SP.
On rare occasion US Bank, Chase, and Citi will up CL on their own. Never requested CLI for US Bank so I don't know their policy on it.
Chase does do SP on request but I would say about 99.99% of the time it will be a HP.
My limited experience since I've only had BofA:
After my card unsecured after 1 year they gave me a CLI 4 months later. Ever since then I have had auto CLI's from them at $600 each. No HP because these were all initiated by them.
I did do one CLI request (HP) from them to get my card to where it is now ($2800 to $5400), I could have easily requested more but I don't need it.
They've been good to me
I went from 6k to 20k with Citi in one year. Cost me two hard pulls. Note: SP CLI's were offered but I wanted morecredit than was offered. Citi will definitely grow with you.