First National Credit Card - CLI

[mdpsulion]

Is anyone familiar with this CC company?  The card is a Legacy card.  It also shows up on my EX report as CCS/First National Bank.  Out of Sioux Falls, SD.  I have had the card for 10 months, always paid on time, currently carrying a balance.  Would a CLI help my scores?  Does anyone know if they do a hard or soft pull, and if it is hard, would it hurt me more than it's worth?

Thanks in advance for any information anyone can provide.

[guiness56]

The only way it would help would be to lower your overall utilization.  A CLI itself does not help your score but a higher CL may look better to a creditor.

[mdpsulion]

That was my thought, that it would help lower my utilization %, as I paid down all of my cards.  Thanks for responding.