topic Re: CLI increase question in Credit Cards

CLI increase question

Anonymous — Sun, 02 Sep 2012 16:03:33 GMT

I have an app with Amex that is currently pending, I'm told that it will likely be decided upon this Tuesday. Here are my questions:

1.) Is this a stupid time to ask for a CLI on my BoA card? It's my lowest CL.

2.) Will a CLI with BoA and Citi be a hard or soft pull?

Thanks in advance for any answers you might have!

Re: CLI increase question

DVH1980 — Sun, 02 Sep 2012 16:06:31 GMT

I would determine if it was the righ time to aske for a CLI based on how long it has been since my last CLI, nothing else.

I would also take into consideration how much my reports have improved, just in case they are HP's for the CLI. No sense in taking an INQ for 500.00 bump if my score hasnt changed much.

Re: CLI increase question

LS2982 — Sun, 02 Sep 2012 16:07:20 GMT

Citi and BofA will likely be a HP. Citi could possibly be a SP but I wouldn't count on it. Has AMEX already pulled your credit?

Re: CLI increase question

Anonymous — Sun, 02 Sep 2012 19:21:02 GMT

Well, Amex HPed me on 8-27 for the Delta Skymiles card--does this mean they won't HP me for the BCP?