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About to do a SP CLI spree, questions

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Winchester2005
Valued Member

About to do a SP CLI spree, questions

Hello, I'm about to have both a mortgage drop off my credit, as well as about 10k worth of revolving debt be paid off, so now I'm just waiting for everything to cycle.

 

I want to cut back on inquiries if at all possible, and wanted to ensure the following cards do not have a HP when requesting a CLI:

BOA Travel Rewards

Discover It

AMEX (blue everyday i think?)

Citi Diamond

Citi Simplicity 

 

The above ones I'm pretty sure have no hp, but I'm getting differing answers when it comes to these:

Keybank Latitude

USBank Platinum 

Chase Disney/Slate (pretty sure this one is HP)

 

THANK YOU in advance!!

 

Message 1 of 5
4 REPLIES 4
Racer202
Established Member

Re: About to do a SP CLI spree, questions

Chase is always a hard pull my G.

 

As far as Keybank and US Bank are concerned i am not sure. I'd ring them up and ask.

Message 2 of 5
FinStar
Moderator Emeritus

Re: About to do a SP CLI spree, questions


@Winchester2005 wrote:

Hello, I'm about to have both a mortgage drop off my credit, as well as about 10k worth of revolving debt be paid off, so now I'm just waiting for everything to cycle.

 

I want to cut back on inquiries if at all possible, and wanted to ensure the following cards do not have a HP when requesting a CLI:

BOA Travel Rewards

Discover It

AMEX (blue everyday i think?)

Citi Diamond

Citi Simplicity 

 

The above ones I'm pretty sure have no hp, but I'm getting differing answers when it comes to these:

Keybank Latitude

USBank Platinum 

Chase Disney/Slate (pretty sure this one is HP)

 

THANK YOU in advance!!

 


Citi can be SP -- if available (the online prompt usually lets you know before proceeding).

 

US Bank can be either or -- some members have reported SP while others have had HP. Same for KeyBank.  Up to you to determine how you'd want to proceed with these two, just be aware of a possible HP.

 

Chase is definitely HP.

Message 3 of 5
cws-21
Established Contributor

Re: About to do a SP CLI spree, questions

AMEX, Citi, and Discover have always been soft pull credit limit increases for my wife and me.

Message 4 of 5
CreditAggie
Community Leader
Super Contributor

Re: About to do a SP CLI spree, questions

BofA CLIs are soft pulls. 

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 5
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