CLI Hard or Soft?

[Anonymous]

Until about 5 minutes ago I didn't know you could call and ask for a CLI.  With that knowledge, I'm going to see if I can get a CLI on my cards to help my UTL.  Before I do, however, I have a few questions.

From reading a few threads, I know that AMEX is a soft pull.  Does anyone know about USBANK, Citi, and Chase?  

How old should an account be before I request a CLI?

Can I request a CLI of 3x every 6 months?  More frequently?

Thanks!

[Anonymous]

Can't speak for those banks, but with HSBC I was informed that they "may" pull my credit. They didn't and I got an instant CLI.

[brian2220]

if a cli is requested from chase it is a hard pull 100% of the time

dont listen to the csr's 

us bank not sure about because i am new 

and citi it is 50% it might be hard or not

[MrShush]

For me, US Bank was soft, however, the request was declined. Didn't need it but was curious. AMEX typically is soft. Customer initiated with Chase 9 out of 10 times is hard. Fie on CITI!

[clocktick]

Yes, Amex is a soft - about 60 days after receiving the card and every 6 months thereafter you can request one. 

In my experience:

Barclays - HARD

GEMB - SOFT (must show use of the card)

Citi - every 6 months, hard or soft, can request online or call

[Anonymous]

I requested a CLI with US Bank after 6 months.  It was a soft.  I asked for $1000 and they gave me $1,500.  Just did a CLI request with Citi Diamond and and requested $1,000 and they gave me $1,000.  It said on the request that your giving them permission to pull credit but after I got the screen that said I was approved it said they did not pull a hard credit report.  So, it may or may not be a hard.

[Guava]

For Citi, to make sure it's not a hard pull, you can call in to request CLI and tell the CSR to not pull your report while doing the CLI

[Anonymous]

Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied.  Called the CSR to see if I could get approved for a smaller increase.  She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank.  All CLI with them require a hard pull.

[Anonymous]

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@ptrutkowski wrote:

Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied.  Called the CSR to see if I could get approved for a smaller increase.  She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank.  All CLI with them require a hard pull.

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Sorry to hear about the no-go. Was the AMEX really a soft as expected, and does the soft expectation apply also to a luv button on line, or only to a phone request? 

[Anonymous]

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@Anonymous wrote:

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@ptrutkowski wrote:

Thanks for the input everyone. Just requested a CLI to 4000 (from 2000) and got denied.  Called the CSR to see if I could get approved for a smaller increase.  She said that she couldn't change the request and I would have to wait 90 days.

Also, just spoke with US Bank.  All CLI with them require a hard pull.

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Sorry to hear about the no-go. Was the AMEX really a soft as expected, and does the soft expectation apply also to a luv button on line, or only to a phone request? 

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Is a "luv button" a link to an online CLI request?  If yes, I didn't have one of those - probably because my account is only about 70 days old.  While looking for that button, however, I did a search on the website and the only thing that came up was "call the number on your card to request a CLI."