Credit Card Center Advertiser Disclosure

Posts: 6
Registered: ‎09-21-2011
0 Kudos

Will requesting a CL increase or APR reduction from CCC cause a hard pull?

I was planning on requesting CL increases and APR reductions from Amex, Chase and Citi but I don't want to trigger any additional hard pulls.  I leased a car in April and have recently been shopping for a mortgage, so I have had about 6 inquiries in the past year.  Any advice would be appreciated.



Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
0 Kudos

Re: Will requesting a CL increase or APR reduction from CCC cause a hard pull?

In my experience requesting a CLI would always be a hard inquiry. The entire purpose of showing an inquiry is for "new or increased credit".


In my experience requesting a lower interest rate has never resulted in a hard inquiry.



Community Leader
Epic Contributor
Posts: 29,589
Registered: ‎03-19-2007
0 Kudos

youRe: Will requesting a CL increase or APR reduction from CCC cause a hard pull?

All you can really do is to rely on the anecdotal experiences posted by others for a given creditor, as the coding of inquiries as hard vs soft for consumer-initiated requests for new or extended credit is not regulated by the FCRA.  Inquiry coding is an administrative creation of the CRAs to record type for future creditor reference and for credit scoring.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.