topic Re: Cl increase in Credit Cards

Cl increase

Anonymous — Mon, 18 Jul 2016 20:09:35 GMT

When you ask for one is it a hard inq?

Re: Cl increase

coldnmn — Mon, 18 Jul 2016 20:13:16 GMT

Depends on creditor.

Re: Cl increase

Anonymous — Mon, 18 Jul 2016 21:31:32 GMT

Each lender has their own policies regarding CLs. So as @Coldnmn stated, it depends on each lender. Out of curiosity, which lender are you referring to?

Re: Cl increase

Anonymous — Mon, 18 Jul 2016 23:20:12 GMT

Capital One

B of A

Walmart

Re: Cl increase

AverageJoesCredit — Mon, 18 Jul 2016 23:27:46 GMT

Im pretty sure Boa are hps for any cli requested. Walmart is Sync so usually sps but on occasion can result in hard pull .from what i read here many Cap ones are sp, but not 100% sure. Cheers!

Re: Cl increase

Anonymous — Tue, 19 Jul 2016 00:00:21 GMT

@Anonymous wrote:
Capital One
B of A
Walmart

Cap 1 - SP

BoA - HP

Walmart - SP

With all of these creditors you can ask via online account manager.

Re: Cl increase

UncleB — Tue, 19 Jul 2016 08:01:00 GMT

@AverageJoesCredit wrote:
Im pretty sure Boa are hps for any cli requested. Walmart is Sync so usually sps but on occasion can result in hard pull .from what i read here many Cap ones are sp, but not 100% sure. Cheers!

+1 ^^^^ This exactly.

I'll just 'chime in' to reaffirm that Capital One is indeed a SP as well.