Companies that typically use SP's for CLI

[CBetc]

As far as I know, the only company (well, the only one I have a card with) that regularly allows soft-pull CLIs (if one is available) is Cap1.

Are there other companies out there that will perform a SP to an online CLI request? I'm waiting for previous inquiries to fall off, but it never hurts to have more credit available, and this is a no-pain boost to utilization scores in most cases.

From what I can tell and have heard, all "love buttons" for Citi cards (including Home Depot and Macy's) are hard pulls.

[Glkslngr]

AMEX, Commenity, Discover, Nordstrom, NFCU.. Just speaking from experience.

[Anonymous]

Amex does soft pulls.

BOFA and Chase both want to do an HP everytime I ask for a CLI.

[austinguy907]

Synchrony

[Anonymous]

Citi is not always an HP. It just depends on the verbiage at the time. Right now, my CLI for the DC is SP while Costco still has HP language.

[CBetc]

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@Anonymous wrote:

Citi is not always an HP. It just depends on the verbiage at the time. Right now, my CLI for the DC is SP while Costco still has HP language.

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I've noticed it change from time to time, but was never really sure how much I could trust that. Is there a guide? Or a canonical way to tell if it's going to be soft or not?

[Anonymous]

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@CBetc wrote:

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@Anonymous wrote:

Citi is not always an HP. It just depends on the verbiage at the time. Right now, my CLI for the DC is SP while Costco still has HP language.

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I've noticed it change from time to time, but was never really sure how much I could trust that. Is there a guide? Or a canonical way to tell if it's going to be soft or not?

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If it's soft, it will specifically say that no report will be requested. If it says a report may be requested, then count on it! LOL

[Anonymous]

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@CBetc wrote:

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@Anonymous wrote:

Citi is not always an HP. It just depends on the verbiage at the time. Right now, my CLI for the DC is SP while Costco still has HP language.

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I've noticed it change from time to time, but was never really sure how much I could trust that. Is there a guide? Or a canonical way to tell if it's going to be soft or not?

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If it says soft pull, it will be a soft pull.

[CBetc]

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@Anonymous wrote:

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@CBetc wrote:

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@Anonymous wrote:

Citi is not always an HP. It just depends on the verbiage at the time. Right now, my CLI for the DC is SP while Costco still has HP language.

---

I've noticed it change from time to time, but was never really sure how much I could trust that. Is there a guide? Or a canonical way to tell if it's going to be soft or not?

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If it says soft pull, it will be a soft pull.

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Hmm... How about not? My Macy's Store card, Macy's Amex, and HD cards are all showing this language:

[quote]Completing your online credit limit increase request is easy and takes only minutes. In some cases, we can provide a decision right away.

[/quote]

... but I'm virtually certain it USED to say "We may need to request your credit report." or words to that effect before.

[sarge12]

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@Anonymous wrote:
Amex does soft pulls.

BOFA and Chase both want to do an HP everytime I ask for a CLI.

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They did last time I requested CLI, unfortuantely they counter-offered too small of an increase to bother with.