topic Re: Credit limit increases in General Credit Topics

Credit limit increases

razzy116 — Fri, 10 Jul 2020 02:46:33 GMT

Does any one know is there a list of banks that do sp and hp for credit limit increases that i could use for reference down the road. Thank you and be safe.

Re: Credit limit increases

AllZero — Fri, 10 Jul 2020 03:17:25 GMT

@razzy116 I don't recall reading a specific list for CLI. If you have a specific lender in question, then perhaps a member can ansewr your question.

Re: Credit limit increases

CYBERSAM — Fri, 10 Jul 2020 03:33:31 GMT

Cap1, Discover, BOA, Sync, Barclay, Comenity, AMX and Citi are SP as far as I can think of! BUT if you request on demand some may HP. Just have to make sure CLI option is available first.

Re: Credit limit increases

ChargedUp — Fri, 10 Jul 2020 07:36:57 GMT

@CYBERSAM wrote:
Cap1, Discover, BOA, Sync, Barclay, Comenity, AMX and Citi are SP as far as I can think of! BUT if you request on demand some may HP. Just have to make sure CLI option is available first.

I can add Elan backed cards to that list. I just received a SP CLI by clicking the luv button.

Re: Credit limit increases

Anonymous — Sat, 11 Jul 2020 06:27:24 GMT

I have never known Barclay to be SP. please give me more information.

And I recently tried Elan and they wanted HP, despite in the past I talked up a representative and got a SP CLI.

Re: Credit limit increases

RootDet — Sat, 11 Jul 2020 09:03:53 GMT

Barclay has been a HP since the loophole closed.

US Bank is a 50/50, could be soft or hard

FNBO can be SP if you call in to ask for preapproval

Wells Fargo is a SP if you'd not grant HP permission, they seem to ask.

Navy FCU could be a SP, but only for CLI up to 25k, above that is HP

Re: Credit limit increases

CYBERSAM — Sat, 11 Jul 2020 17:53:05 GMT

@RootDet wrote:
Barclay has been a HP since the loophole closed.

Back in March Barclay gave me a CLI directly form a link in their website! It was SP.

Re: Credit limit increases

Anonymous — Sun, 12 Jul 2020 02:59:30 GMT

@CYBERSAM wrote:
@RootDet wrote:
Barclay has been a HP since the loophole closed.
Back in March Barclay gave me a CLI directly form a link in their website! It was SP.

Wish I could've caught that.

Re: Credit limit increases

ccquest — Sun, 12 Jul 2020 12:41:29 GMT

Not sure if there's one on myFICO, but I check this one (Doctor of Credit) occasionally.

Re: Credit limit increases

RadioRob — Sat, 18 Jul 2020 06:08:36 GMT

Navy was a SP for my last CLI from 30->34.5K.

Re: Credit limit increases

moosemoney — Mon, 20 Jul 2020 20:36:46 GMT

In my personal experience, the following CLI were Soft Pulls:

Discover
Goldman Sach's Apple Card
American Express (BCE and also Macy's)
Comenity - Ulta
Comenity - Victoria Secret
Syncrony - Old Navy
Capital One - Kohl's

The following are or would have been Hard Pulls:

SunTrust Cash Rewards Mastercard
CitiBank - Best Buy Visa