topic Re: Recommendations for soft pull approval cards? in Credit Cards

Recommendations for soft pull approval cards?

ghector — Wed, 06 Dec 2023 19:34:52 GMT

I want to increase my overall credit limit (for utilization %) and so was wondering:

1- Which cards out there do soft pull credit pre-approvals.

2- Have good starting limits

3- soft pull CLIs

I haven't got a card in a couple years and my overall utilization is pretty good. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822.

Cards I have so far:
Chase Sapphire

Freedom (super low limit and have had this forever, and only this year got my first random CLI)

Chase Amazon (got a free CLI first time, too, which suprised me considering I spent a gajillion on this every month)

Apple

thanks for any tips!

Re: Recommendations for soft pull approval cards?

Anonymous — Wed, 06 Dec 2023 20:59:33 GMT

@ghector wrote:
I want to increase my overall credit limit (for utilization %) and so was wondering:

1- Which cards out there do soft pull credit pre-approvals.
2- Have good starting limits
3- soft pull CLIs

I haven't got a card in a couple years and my overall utilization is pretty good. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822.

Each to their own etc, but with an 822 score, improving it isn't a financially sensible goal (it may be a reasonable goal for other reasons. Well, it isn't, but we can pretend!) Now if you want to get a bigger CL so you can buy more expensive things, that makes sense, but doing it to improve util when your score is already so high...

I would look for the best cards to reward my spending and goals, and not worry about soft CLIs at all.

So not a useful response to your question, except to say that maybe it is the wrong question!

Re: Recommendations for soft pull approval cards?

ghector — Wed, 06 Dec 2023 21:29:46 GMT

Yah, I hear what you're saying. I just want an additional piece of mind.. long story short, I had my identity stolen and my credit score was in the 500s.. so once I got all that fixed, it jumped up super high (800), and I just want to keep improving it. I had credit card debt badly twice in my early years and now that I got my **bleep** together, I want to keep it solid.

Re: Recommendations for soft pull approval cards?

Kforce — Wed, 06 Dec 2023 22:03:08 GMT

@Anonymous wrote:

I would look for the best cards to reward my spending and goals, and not
worry about soft CLIs at all.
So not a useful response to your question, except to say that maybe it is the wrong question!

I was thinking this but just did not respond

Re: Recommendations for soft pull approval cards?

mbauza86 — Thu, 07 Dec 2023 05:55:05 GMT

American Express - you can see if you pre-qualify, and once you are approved, any other subsequent credit card applications are soft pulls. CLI increases are soft pulls and you can request a CLI every 90 days. Can't beat that.

Re: Recommendations for soft pull approval cards?

DaWhole9 — Fri, 08 Dec 2023 15:44:41 GMT

AMEX and Discover

Re: Recommendations for soft pull approval cards?

NoMoreE46 — Sat, 09 Dec 2023 18:05:24 GMT

@ghector wrote:
I want to increase my overall credit limit (for utilization %) and so was wondering:

1- Which cards out there do soft pull credit pre-approvals.
2- Have good starting limits
3- soft pull CLIs

I haven't got a card in a couple years and my overall utilization is pretty good. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822.

Cards I have so far:
Chase Sapphire
Freedom (super low limit and have had this forever, and only this year got my first random CLI)
Chase Amazon (got a free CLI first time, too, which suprised me considering I spent a gajillion on this every month)
Apple
WF

thanks for any tips!

Look into Synchrony's Venmo,

Paypal and eBay cards.

WF CLIs requests are via telephone only and are typically SP; they will ask if okay to try via HP.

Re: Recommendations for soft pull approval cards?

FireMedic1 — Sat, 09 Dec 2023 19:29:21 GMT

@ghector wrote:
I want to increase my overall credit limit (for utilization %) and so was wondering:

1- Which cards out there do soft pull credit pre-approvals.
2- Have good starting limits
3- soft pull CLIs

I haven't got a card in a couple years and my overall utilization is pretty good. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822.

Cards I have so far:
Chase Sapphire
Freedom (super low limit and have had this forever, and only this year got my first random CLI)
Chase Amazon (got a free CLI first time, too, which suprised me considering I spent a gajillion on this every month)
Apple
WF

thanks for any tips!

Let lower util %'s posts if you PIF after statement cuts. Or if you meant PIF before statement cuts. Let 1 card report. New account will lower AAoA's and reset AoYA to 0 months. Age is the best medicine.

Re: Recommendations for soft pull approval cards?

nytokyobred79 — Sun, 10 Dec 2023 01:44:40 GMT

@ghector wrote:
I want to increase my overall credit limit (for utilization %) and so was wondering:

1- Which cards out there do soft pull credit pre-approvals.
2- Have good starting limits
3- soft pull CLIs

I haven't got a card in a couple years and my overall utilization is pretty good. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822.

Cards I have so far:
Chase Sapphire
Freedom (super low limit and have had this forever, and only this year got my first random CLI)
Chase Amazon (got a free CLI first time, too, which suprised me considering I spent a gajillion on this every month)
Apple
WF

thanks for any tips!

I see that you have several Chase cards and you also mentioned receiving a random and also, a free CLI on 2 of your cards? I assume these were auto-cli's? Have you tried requesting yourself either online, in mobile app or contacting a CSR? Chase CLI's are soft pull and have been that way since around Feb/March this year. It may be worth seeing if any of those accounts are eligible for additional cli's. It also may be worth giving a call to check if you're not able to do it online successfully. ( apologies as I didn't address the main question but this may still help with your utilization increases).