Elan CLI: How do I know if HP?

[pdxmike]

I have the Fidelity Visa Signature from Elan. Usually issuers clearly state on the CLI form if they're going to pull a hard inquiry by saying they'll obtain a copy of your credit report. But this is all Elan says:

Request Credit Limit Increase - Step 1 of 3

Use this form to request an increase to your current credit limit. After submitting this request, you can expect to receive a decision via U.S. Mail on your request within 10 business days.

Desired Amount of Increase to Current Credit Limit:

Monthly Housing Payment:

Employer/Company Name:

Work Phone Number:

Annual Income:

Other Annual Income:

Source of Other Income:

Does that look like an HP or SP form, or should I go to page 2 and hope the inquiry doesn't happen when I click the "Next" button?

[Samac]

With other cards if it's asked me a desired amount it's been a hard pull but I don't know that card exactly.

[Benzman]

Elan is related to US Bank, so I would figure a hard pull. I also have the card, but feel too early to try for a CLI yet. I like to run some spend thru a new card first.

[Skye12329]

I have a Elan card, everytime i personally request a CLI its always been a SP. Granted in the past 5 years of having the card, only 1 request has ever been approved. I have attempted requests for 5k additional and still a SP for me anyways. 

[pdxmike]

When Elan does a hard pull, do they tell you first? Is there clarification on the next page? Do they ever ask how much more credit you want if they're going to do a SP?

Edit: I should have read more carefully, you said you always request $5k and it's always a SP, so they do ask how much credit you want when doing a SP. But I'm still hoping to get reassurance that they do always say beforehand that they're going to obtain a copy of your credit report before they do a HP.

Also, with your CLI, did they counter your request with something lower, or is it possible that the reason you were denied so much is because you asked for $5k and they don't counter?

[RonM21]

Seeing mixed results here on if it's a HP. Maybe search the threads to see if there is more clarification on this.

[pdxmike]

From searching past threads and calling Elan directly, it looks like there is never any warning they will do a HP or guarantee they will not, whether you do it online or by phone. There are, however, auto-CLIs and letters offering increases without pulls, based on account reviews every 6 months.

[Skye12329]

In regards to the screen i see. It literally asks and says this:

Amount requested $500-5000 additional
Income + sources of that income
Housing

No mention of HP or SP, but once submit they always manually review it in my case and i get my fico 04 score from them. But no HP. So i am assuming its the last sp they did. My elan login does have a credit tracker but its like capital ones. Not sure if each elan login is different based on the bank or not.