Credit Card Center Advertiser Disclosure†
05-31-2011 07:56 AM
Apparently they don't know. There is another thread about them start cust reqstd increases again, and the answers seem to vary....when i called I was told it was hard but this was after a rep told me in her OPINION it wouldn't be a hard. I told her to find out for sure and was told it was hard. But others are saying they were told soft, and then another was told they don't know if its a hard or pull, but were able to tell them after that it was a soft.
06-01-2011 05:58 PM
I called the backdoor number and was told they may or may not actually pull a credit report, so I asked if it was a hard or soft pull and they guy said he thought it was a hard pull if it was actually pulled....
06-01-2011 06:32 PM
My SO hopped on the CLI train this past weekend and it was a soft pull. He initiated the request by calling the number on the back of his card. Seemed simple enough, they asked a couple of questions about income, placed him on hold for about 30 seconds, came back on the phone and said, "we can offer you $100 at this time."
YMMV, but it can't hurt to ask.
06-03-2011 04:14 AM
I have a $400 cl and usage is at 40% right now. In your opinion, would I have a chance of CLI since I have a balance on card? I have had my card for 2 years with no lates. Just curious...
06-03-2011 05:15 AM
Maybe it varies on what card you have when you request it? Mine was a hard pull when I called for a CLI on my HSBC BBRWZ card. Got the ScoreWatch alert for a new inquiry this morning. And also a alert from MPM yesterday.
06-04-2011 10:21 AM
They do a soft pull at first and the system gives you an answer but the increases they give on the soft pulls are hardly anything the ones i got was 400 on one card and 600 on the other i called the credit dept and they did a hard pull i got 3000 increase on one and 2000 on the other so the soft pulls dosent get you that much of an increase a hard might have to be done to get more.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.