Capital One has never harded me for a CLI or combining accounts.
When I was talking to the CSR via the backdoor number once she mentioned that she used a soft pull to view my credit report. She said they soft all 3 CRs, fwiw.
From reading this thread, I decided to call and try for myself on my Capital One Platinum. They asked me a few questions about other cards I carried and gave me a $500 CLI to $2000. Still pretty low but it's encouraging! He didn't say whether it was a soft/hard pull but it was instantaneous so I'm not sure if that means anything.
