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bestbuy credit limit increase.....soft or hard pull?

bestbuy credit limit increase.....soft or hard pull?

Ive had my bestbuy credit card for about 6mo now. I wanted to see if they would give me a cli but dont want to take that hard pull? Any suggestions?

Message 1 of 12
11 REPLIES
Established Contributor

Re: bestbuy credit limit increase.....soft or hard pull?

if you request a CLI online or by phone, 100% hard pull. There is a slim chance of an auto cLI which would be a sp.

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 2 of 12
Frequent Contributor

Re: bestbuy credit limit increase.....soft or hard pull?

I asked for a CLI from 3k to 10k and it was a 7-10 message then saw the HP and a day later they approved the limit increase, but im sure it would be an HP. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 3 of 12
Frequent Contributor

Re: bestbuy credit limit increase.....soft or hard pull?

Yes there will be a HP. The online form clearly states that a Credit Bureau Report will be obtained if you submit the app ...

Message 4 of 12

Re: bestbuy credit limit increase.....soft or hard pull?

Thanks everyone for there answers.....i'll hold onto this 2k limit for now!

Message 5 of 12
Highlighted
Established Member

Re: bestbuy credit limit increase.....soft or hard pull?

HARD PULL....recently request a CLI  5k to 10K approved....

but it did cost me a hard pull TU in cali

 

LOWES-25K|CSP-15K|DISCOVER-15K|BARCLAYS-13K|AMEXEDP-30K|CITI-11.2K|BBMC-10K|WALMART-10K|CAP1Q.S.-5K|NORDSTROM 8K|FNBO AMEX 4K

FICO EQ08 743TU08 741EX08 753
Message 6 of 12
Epic Contributor

Re: bestbuy credit limit increase.....soft or hard pull?

It's like Home Depot, go online and cli to $25k+ and it's hp to TU and you will get 7-10 and then about an hour or so later if during biz hours you can log back in and see the new countered or full asked cl.

Message 7 of 12
Member

Re: bestbuy credit limit increase.....soft or hard pull?

Yeah I'd be happy with the $2k limit man... I had a TU of 730 when I called a couple months ago to ask them to raise my limit on my BBRZ MC from the paltry $300 to something a little less idiotic, and got turned down.  Sheesh!  Then I found out they were about to charge me a $59 annual fee.  Deep-Six'ed that piece of plastic and never looked back.

Message 8 of 12
Frequent Contributor

Re: bestbuy credit limit increase.....soft or hard pull?

Yea unfortuantly the bestbuy mastercard is not that good compared to the bestbuy store card. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 9 of 12
Epic Contributor

Re: bestbuy credit limit increase.....soft or hard pull?

That is not true anymore and it depends if you have good credit and have a large CL or if you are given the mc because you have bad credit and small CL with AF
Message 10 of 12