So I just zeroed out my balance on my Cap1 platinum card and I really want to try for a credit increase. I received my one and only automatic increase from $300 to $2300 around this time last year. I have yet to see another one, granted I carried a big balance due to moving but I made 2 significant payments every month till it was paid off albeit with some spending in between until I stopped in order to concentrate on paying it off. I was just checking the Cap1 website to see if they have an increase button but the chat box ended up popping up and I chatted with a rep. When I asked if it was possible to do a soft pull for the increase this is how he responded:
"When you request a credit line increase online or in our automated phone system, our review to determine your eligibility will not impact your credit score. "
"The inquiry may be considered a "soft credit inquiry." These inquiries are viewable by you but not by potential lenders."
So just to double check, does this mean if I try for a credit increase, this means it would only be a soft pull? I cant afford to have any more inquiries until december and don't feel like slipping up.
