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@TM82 wrote:
The expectation that credit line increases are soft pulls should not be the norm. You are seeking additional credit and should there fore expect a hard pull and if you get a soft be happy that it was just a soft. The simple fact that Amex only softs is an abnormality not the standard. Whether or not Chase pulls two reports or one is another argument. I've only experienced one on all my apps.
Your anger towards Chase in this instance is not really their fault, you requesting an increase basically gave them permission to pull your reports, even if they already did 2 days prior.
+1000000
Well you have a very good limit with CSP and closing it while you are angry with lender is not doing yourself a favour.
Atleast use those HP's in your favor and use the card for sometime.
Close it when you those HP's are gone from your score and apply for a card with a different lender.
If you go in expecting an HP or 2 in worst case. Might not request the CLI. I've never gotten an SP when requesting a CLI. Not sure why people get surprised when they're HP'd...to quote Chris carter "C'mon Man!"
@TM82 wrote:
The expectation that credit line increases are soft pulls should not be the norm. You are seeking additional credit and should there fore expect a hard pull and if you get a soft be happy that it was just a soft. The simple fact that Amex only softs is an abnormality not the standard. Whether or not Chase pulls two reports or one is another argument. I've only experienced one on all my apps.
Your anger towards Chase in this instance is not really their fault, you requesting an increase basically gave them permission to pull your reports, even if they already did 2 days prior.
Well said!