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CLI - does inquiry appear if u call and ask for increase?

Valued Member

CLI - does inquiry appear if u call and ask for increase?

Just curious....will an inquiry appear on CR if you call and request a cli?  I have 3 cards that say the automatically review credit for cli but only 1 has done it automatically.  They all have low limits ($600-$500 limits).  If I call to inquire will this hurt my credit score?  Don't want too many dings on my record.
Message 1 of 9
8 REPLIES
Moderator Emeritus

Re: CLI - does inquiry appear if u call and ask for increase?

Each lender is different.  Ask if they will do a hard pull for a CLI request.  If so it will show but depending on your recent request for credit it probably won't hurt much.  Some will go ahead and offer or pull soft only it varies by creditor.  I would personally wait til that new limit shows up on the bureaus from the new card.
Message 2 of 9
Regular Contributor

Re: CLI - does inquiry appear if u call and ask for increase?

You can call and yes they will pull a fresh report so you might incur a slight ding, I just had 3 inquiries and took 2 pt ding. was worth it as i got 2 out of the 3 approved.Smiley Surprised
Message 3 of 9
Moderator Emeritus

Re: CLI - does inquiry appear if u call and ask for increase?



dekrist wrote:
You can call and yes they will pull a fresh report so you might incur a slight ding, I just had 3 inquiries and took 2 pt ding. was worth it as i got 2 out of the 3 approved.Smiley Surprised


Congrats on the CLIs Smiley Happy , but don't assume the ding was a result of the inquiries.
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 4 of 9
Regular Contributor

Re: CLI - does inquiry appear if u call and ask for increase?

Tks.  your right I shouldn't assume anything as far as scoring goes.
Message 5 of 9
Valued Member

Re: CLI - does inquiry appear if u call and ask for increase?

Thanks dekrist....got 2 for 2 cli's...Smiley Happy
Message 6 of 9
Regular Contributor

Re: CLI - does inquiry appear if u call and ask for increase?

congrats!
Message 7 of 9
Valued Member

Re: CLI - does inquiry appear if u call and ask for increase?

Gotta call one back tomorrow...Gave them wrong gross monthly income....ummm kinda forgot I get paid TWICE a month Smiley Mad  Blame it on it's Monday and a sunny day....hahaha.  Will stick with cli got today and not go for another one.  Just gonna make sure they have right goss income.


Message Edited by fiskite on 05-07-2007 04:46 PM
Message 8 of 9
Highlighted
Moderator Emeritus

Re: CLI - does inquiry appear if u call and ask for increase?

I switched from an AmEx charge card to an AmEx Blue credit card, and when they asked my income I said I preferred not to provide that information.  I was surprised when they accepted that!
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 9 of 9