Will an automatic CLI on a CC hurt my mortgage app process?

[StriderM99]

My LO has told me to avoid taking on any more debt or inquires while my loan app is with the underwriters. I just noticed one of my credit cards apparently gave me an auto credit limit increase... will the underwriter see this? if so, will they wonder if I, for some reason, requested the credit limit increase?

[Anonymous]

I don't think it will hurt you if you didnt apply for the credit yourself.  If the credit card company did a AR or annual review pull and decided to give you an increase on their own, I think the LO can see that.  Annual review and promotional credit pulls shouldn't count against you.

[nc]

I agree with you.

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@Anonymous wrote:

I don't think it will hurt you if you didnt apply for the credit yourself.  If the credit card company did a AR or annual review pull and decided to give you an increase on their own, I think the LO can see that.  Annual review and promotional credit pulls shouldn't count against you.

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[thrillege]

a CLI drops your utilization. It will improve your credit score. It won't hurt it. Running up the card will hurt it

[Shogun]

Not at all.  It is not a request for credit.  Could help your utilization some.  Actually  it shows good healthy credit growth.  Good luck.