Established Contributor
Uncle_Money
Posts: 530
Registered: ‎07-28-2008
Re: Any chance of getting Cap1 or HSBC to do a limit increase without a hard pull?

I have accounts with both HSBC and Cap 1. Here are my experiences:

 

Cap 1

 

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.

 

HSBC

 

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

Equifax Fico 785 as of 01/18/2012