Cap 1 expiring -- CLI with replacement?

[hateAshbury]

so my Cap 1 card expires in a month after three years of moderate use. Original credit limit was $500, now it's $2,000. Perfect payment history, and current FICO is somewhere around 720.

I'm wondering whether the replacement card will come with a higher credit limit? Anyone have info?

[blunderer]

I've had replacement cards with Cap One and never rec'd a CLI with the replacements.

Cap One now offers the option to request a CLI online.  You'll find it under "Services".  You may have to click "More" to see the "Request Credit Line Increase" option.

[Anonymous]

This might be a dumb question... I'm still learning.  Does a CLI request show up as a hard inquiry on your credit reoprt.  I've had a $500 Cap One Platinum MC for 4 years and never requested a CLI.

[subsnao]

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@Anonymous wrote:

This might be a dumb question... I'm still learning.  Does a CLI request show up as a hard inquiry on your credit reoprt.  I've had a $500 Cap One Platinum MC for 4 years and never requested a CLI.

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No. Most companies can do a CLI with just a soft pull and looking at your record with them. I believe HPs start to happen when you get really high credit limits, but they may not even happen then.

In the end, no, they will not HP you. Cap1 does a SP for a CLI request, as do most companies.

[SnackTrader]

Most companies DO NOT do SP CLIs. This is in fact rather rare. The benefit of these boards is to tell you which lenders give out SP CLIs and which only give them with Hard pulls.

However, I haven't tried the Cap1 luv button, but many posters have reported an SP. YMMV.