Companies that typically use SP's for CLI

[Anonymous]

American Express has always been a soft pull for me. Discover used to do a hard pull but now they soft pull when you request online. If they can't give you an increase on a soft pull, they may request to hard pull but they'll warn you beforehand and you can accept or decline the hard pull. Chase is always a hard pull.

[Anonymous]

After reading all the AA horror stories lately, I think I'll just be content with my current credit lines for awhile and not ask for any increases.

May close a few cards while I'm at. There is one I really want to close, but it's my largest CL.

[Rebuilding69]

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@Glkslngr wrote:

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

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NFCU has always been a HP for me 😣 I'm guessing my profile doesn't support softs with them yet.

[Anonymous]

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[galahad15]

FNBO will allow SP CLIs on their cards every 3-4 months, IME. Important note though: please do not use the luv button on their website, as that will result in a HP! Instead, call in to the customer service phone number on the back of your card, and ask something like if you are eligible for any SP CLIs, at this time. 90% of the time, it has worked like a charm, for me

[DaisyAdair]

This is great info, galahad, thanks! I have FNBO's AmEx branded card, which was issued w/ a $2.6k limit. I've never used it much, but now I may run some spend through it and see if I can get the CL up a bit.