Best Soft Pull Credit Limit Increase Credit Cards

[credit8502020]

Hi All! I hope this message finds you well. I'm looking for cards that are similar to NFCU credit cards that provide SP CLI increases in a very predicatable way. Ex. Every 6 months, 91 days, etc. Even if they do not provide them exactly the way that NFCU does, what are some of your favorite credit cards, that offer soft pull credit limit increases? 

I'm hoping to build relationships with credit unions or banks that offer cards that will increase.

[Hut1]

AmEx, CapitalOne, Discover and BOA all do SP CLI's. Those are the ones I can think of off the top of my head. 

[ChargedUp]

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@Hut1 wrote:

AmEx, CapitalOne, Discover and BOA all do SP CLI's. Those are the ones I can think of off the top of my head. 

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I'll add PNC and Bank of the West to that list, although both are annualy

I've received a few SP CLI's from Elan, but I'm not certain of their time limits.

[OmarGB9]

Also Synchrony Amazon store card.

[Bockrocker]

Citi will tell you if requesting CLI will be a hard pull iirc.  I think you might get one soft pull CLI a year?

I actually got an automatic increase on my USAA card this year.  I stopped requesting them due to hard pull/poor rewards but I carried a balance of 4k for a month to do a bank bonus and they upped it about 2k.

[coldfusion]

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@Bockrocker wrote:

Citi will tell you if requesting CLI will be a hard pull iirc.  I think you might get one soft pull CLI a year?

I actually got an automatic increase on my USAA card this year.  I stopped requesting them due to hard pull/poor rewards but I carried a balance of 4k for a month to do a bank bonus and they upped it about 2k.

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@Bockrocker wrote:

Citi will tell you if requesting CLI will be a hard pull iirc.  I think you might get one soft pull CLI a year?

I actually got an automatic increase on my USAA card this year.  I stopped requesting them due to hard pull/poor rewards but I carried a balance of 4k for a month to do a bank bonus and they upped it about 2k.

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Citi normally soft pulls* in response to a CLI request but they may come back and request you authorize a HP before they proceed with further processing.  Their SP CLIs tend to be pretty modest (more than $2-3K is uncommon) but after an approval they will inform that they will consider a larger one if you authorize them to proceed with a hard pull.   If you decline that request they still honor the SP CLI that they approved.

* The Home Depot card is an exception, CLI requests for that card always trigger a hard pull immediately after submission. 

[Hex]

For me Navy is far and away the most dependable for frequent large SP CLI's. My next best are my Wells Fargo Propel and Disco cards. WF has never said no but Disco has said no plenty

of times. The thing is that Disco has also said yes plenty and I ask them way more frequently than anyone else. I've read Sync Bank is good giving out frequent SP increases but they are also thought to cancel accounts seemingly for asking for them too often. 

[CreditCuriosity]

So many banks do them .. FNBO to add to list if you call if on offers

[AlanGJP]

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@ChargedUp wrote:

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I'll add PNC and Bank of the West to that list, although both are annualy

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I think PNC is every 6 months? I did a request a few days ago without checking my list and they said "you've had a credit limit increase in the last 6 months". I could be wrong, but checking my notes, I have 6. If it is in fact 12, I'll need to update.

[Beefy1212]

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@CreditCuriosity wrote:

So many banks do them .. FNBO to add to list if you call if on offers

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Will second FNBO first one is at 6 months then every 4, has consistently given me 5k increases.