Re: Any chance of getting Cap1 or HSBC to do a limit increase without a hard pull?
10-04-2008 07:43 PM
I have accounts with both HSBC and Cap 1. Here are my experiences:
Never a hard pull, but very small CLIs, if any. I suggest calling the backdoor # and giving it a try. You have nothing to lose. However, I wouldn't expect a large increase from them.
If you have an Orchard card, it is a soft pull and once again, very small increases here. At least for me.
If you have a standard HSBC card, it is almost ALWAYS a hard pull. They've used Equifax for me. Overall, I've learned that HSBC is stingy with CLI's.
Uncle Money's favorite bank ==> Bank of America!!
- Uncle Money