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CC Increase Question

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Valued Member

CC Increase Question

On an existing CC account, if I were to call my creditors and ask for a limit increase, is it a hard or soft pull? I have Capital One, USAA Amex and BOA. 

Message 1 of 7
6 REPLIES 6
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Moderator

Re: CC Increase Question

Of the 4 you've shared, only USAA would be a HP. The others are SP.
Message 2 of 7
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Regular Contributor

Re: CC Increase Question

USAA will be a HARDSmiley Mad        The others should be a soft....Smiley Very Happy


@Vulcan1 wrote:

On an existing CC account, if I were to call my creditors and ask for a limit increase, is it a hard or soft pull? I have Capital One, USAA Amex and BOA. 


Message 3 of 7
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Community Leader
Senior Contributor

Re: CC Increase Question

You probably don’t need another answer saying the exact same thing, but just think of it as triple verification. 

 

USAA would be HP, but the others would be SP. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
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Once you go Berner, you never go back.
Message 4 of 7
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Valued Member

Re: CC Increase Question

Will an increase on my Home Depot cc and one of my bank cc's improve my FICO score? I have less than 5%  balance currently.

Message 5 of 7
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Community Leader
Senior Contributor

Re: CC Increase Question


@Vulcan1 wrote:

Will an increase on my Home Depot cc and one of my bank cc's improve my FICO score? I have less than 5%  balance currently.


Probably not. You're already below the 8.9% threshold that typically optimimizes the utilization portion of your score.

Message 6 of 7
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Moderator

Re: CC Increase Question


@Vulcan1 wrote:

Will an increase on my Home Depot cc and one of my bank cc's improve my FICO score? I have less than 5%  balance currently.


To add, CLI requests for Home Depot are typically HP. 

Message 7 of 7
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