Soft Pull CLI

[JSF1]

Hello! 

Haven't posted in a while! I've been gardening for about 2 years now and want to come out for a few increases. How do I know which cards do soft pulls for credit limit increases? I'm in the process of purchasing a home so I don't want to open anything new or have any hard pulls just yet. 

Would it be best to call the creditor? 

[JoeRockhead]

You could call, but I'm sure you would get some answers here if you shared which cards you are looking at CLIs on? 

[M_Smart007]

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@JSF1 wrote:

Hello! 

Haven't posted in a while! I've been gardening for about 2 years now and want to come out for a few increases. How do I know which cards do soft pulls for credit limit increases? I'm in the process of purchasing a home so I don't want to open anything new or have any hard pulls just yet. 

Would it be best to call the creditor? 

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@JSF1,

Please list the cards you are looking to increase via "SP"

The forum members could then ..better answer you.

[JSF1]

No problem! 

Discover It 

American Express Delta Sky Miles

PenFed Powercash Rewards 

[M_Smart007]

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@JSF1 wrote:

No problem! 

Discover It  (soft Pull)

American Express Delta Sky Miles (Soft Pull)

PenFed Powercash Rewards  (Hard Pull) unless rare online offer.

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I went back in your history, if you still have these?

Navy Federal is also soft pull via online or phone app.

[JSF1]

@M_Smart007 

yes! I still have all those. Navy Fed told me I had reached the aggregate limit with them. I have 2 cards and an auto loan. I do want to switch one of the cards over to the Flagship Rewards card. I have 2 Go Rewards now (one started as a secured card). How does that work? 

ok thanks for confirming the soft pulls - do I request via my online account or via phone? Which would be better? Or does it not matter?

[M_Smart007]

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@JSF1 wrote:

@M_Smart007 

yes! I still have all those. Navy Fed told me I had reached the aggregate limit with them. I have 2 cards and an auto loan. I do want to switch one of the cards over to the Flagship Rewards card. I have 2 Go Rewards now (one started as a secured card). How does that work? 

ok thanks for confirming the soft pulls - do I request via my online account or via phone? Which would be better? Or does it not matter?

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@JSF1,

With NFCU you can call or secure message them.

Calling is better/faster. (sometimes it can be hit or miss on request) but try!

As far as asking for soft pulls, you can do online or phone app

ETA: Home Depot is usually a hard pull.

Hope that helps?

Any other questions, just ask

[JSF1]

Just wanted to let you all know PenFed was a hard pull. They pulled Equifax. CLI to 17500 from a 1500 SL

Amex Delta SP CLI 3000 from 1000 SL

I did the preapproval for Amex, Citi and Capital One. All had multiple offers, but it was too overwhelming lol. I will wait until after closing to pull the trigger on those. 

Do you all have any recommendations for a good travel card? I travel often and would like to earn points/$ on for hotel stays. Also flights and rentals!

Thoughts?

[SweetCreditObsession]

@JSF1  - congrats on getting those CLI's. 

Since you're trying to close on a house, don't take any additional HPs...even if it's for a CLI. 

I don't really use a travel rewards card, although I've got a Disco IT Miles. I'm not traveling so I haven't seen the benefits.

Best wishes on closing.

[JSF1]

@SweetCreditObsession 

thanks ! I don't plan to appy for anything else until after closing. It's a new build and won't be finished until Dec/Jan. This is just one hit and I'll be refinancing my car for a better rate which my lender is aware of.