Hi everyone, I had a strange situation and I was wondering if anyone ever ran into this.
I have a Visa card from BofA. I got it graduated from a secured card to unsecured about 6 months ago, and I've had it since 08.
Anyway, my limit on the BofA was 500 after it became unsecured, but I decided to try to increase it to 1000. I went online, filled out the form, and it told me I should call to get an "instant answer". I didn't call right away. The next day, I called and spoke with a rep, and after about 15 minutes they upped my limit as requested.
Now, here's where it gets weird. I didn't know that when I made the request online, they'd do any pull, hard or soft. I figured when the message came up to call, it was an indication that they were not doing online credit bumps. Today, I received a letter from BofA declining my credit increase. This was from the online attempt. However, my limit is in fact 1000. I'm assuming that when I called, a hard pull was performed, because I was asked questions about my loan debt, and how long I'd been working.
Has anyone ever had a hard pull prove to be more beneficial than their soft pull?
I'm assuming that you were declined initially and that your call was treated as a recon. The letter from the initial decline got to you a few days later.