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I am itching to hit the CLI on some of my cards. But I want to make sure they will be soft pulls as I am in the garden until next year.
I want to do my Commenity cards via the online button. Are they soft pulls? And usually how long do you have to have the card to get better odds for an increase?
I want to do my New Yok company ( I have had a novemeber, December, and January statement ) I got the card in OCT I think.
And I want to do my Victoria Secret. Got the card same time as New york but only had two statements One in November and one In January.
Think odds are good?
Why not just shoot them a message and ask if CLI requests are SPs? Generally they are unless otherwise stated by most lenders.
If they are SPs there is no harm in trying. Whether approved or denied they won't have any impact at all on your credit file with respect to your goal of gardening and presumably increasing your scores over the gardening period. The only possibility would be if you're carrying balances that a CLI could lower your individual and/or aggregate utilization would could result in a slight score increase.
Thanks BBS
I have had many CLIs with several comenity cards, and alll of them have been soft pulls.