What Banks Give Soft Pull CLI

[Anonymous]

Have a citibank card and every 6 months I get a little increase in my limit via a soft pull or NO HARD PULL. 

What other banks out there do soft pulls for increases becasuse its nice to have a bank grow with you and not slam your report every time you request a credit increase. 

[FireMedic1]

Theres quite a few. The list is long. What banks are you interested in and that may help a lot.

[Yasselife]

BoA, Amex, NFCU, Discover, Citi, Sync, Capital...Apple 

[FireMedic1]

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@Yasselife wrote:

BoA, Amex, NFCU, Discover, Citi, Sync, Capital...Apple 

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These were yes for me. Dont know about BoA or Citi. AMEX theres a thread on 3xCLI in 61 days. Just be prepared to submit an IRS form 4506T for income verification. Someone will verify.

[Wavester64]

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@FireMedic1 wrote:

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@Yasselife wrote:

BoA, Amex, NFCU, Discover, Citi, Sync, Capital...Apple 

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These were yes for me. Dont know about BoA or Citi. AMEX theres a thread on 3xCLI in 61 days. Just be prepared to submit an IRS form 4506T for income verification. Someone will verify.

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BOA and Citi also do SP Cli, however Citi never gave me one (no hp every time I asked) and with BOA you have to wait until the link (Luv button) shows in your account to try, but also a SP. I cannot say if the link isn't there and you call for a CLI if that will cost you a HP, never tried that. 

[Anonymous]

GS AppleCard MC is SP CLI.

[coldfusion]

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@Wavester64 wrote:

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BOA and Citi also do SP Cli, however Citi never gave me one (no hp every time I asked) and with BOA you have to wait until the link (Luv button) shows in your account to try, but also a SP. I cannot say if the link isn't there and you call for a CLI if that will cost you a HP, never tried that. 

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Citi will evaluate with a SP.   They may come back with an increase and tell you that if you want a bigger CLI it will cost you a HP for the chance,  you can choose to proceed or nope out.

You can call BoA and request a CLI at any time, and like an online request it is a SP.  The "request a credit limit increase" link means that you meet the autobot's current criteria to deem you eligible to ask for a CLI, but it isn't a preapproval and there are data points that confirm they still grant CLIs when the cardholder calls in to request one when they have no link.

[4sallypat]

Confirmed experience with SP CLI:

Comenity

Goldman Sachs (Apple Card)

Citi

US Bank

Discover

Cap 1

Synchrony

HSBC

Latest SP application for new credit: X1 Card by Thrive / Coastal Community