It's funny you should ask that because 2 days ago, when I logged on to my BOA account I checked my credit card just to make sure the balance was still 0 since I hardly ever use it, and noticed that they upped my limit from 6500k to 11500k, without ever asking me if I even wanted the increase, so that leads me to believe that they will do it automatically every so often, but of course, for the first time I noticed that cli button and I had never seen it before but then again I never paid much attention. So I clicked on it to see where it would take me and like you said, it does ask for salary,ss number, etc...I would think that would be a hard inquiry.