Credit limit increase policy compilation

HiLine · ‎07-30-2013

I thought I would create a list for future reference, given how frequently the same questions are repeated. I don't know all banks' policies, so please fill in folks

Amex: SP, up to 3x, every 6 months (60 days since opening for the first time)

Bank of America: HP, sometimes SP

Barclaycard?

Capital One?

Chase: HP

Citi: SP if automatically eligible; HP for more

Discover: SP if automatically eligible; HP for more

General Eletric Capital Retail Bank?

US Bank?

Wells Fargo?

Credit unions?

---> HiLine's personal finance blog - Follow my journey!

wHiTeSoL · ‎07-30-2013

Cap1 - SP every 6 months if requested

enharu · ‎07-30-2013

Barclay is HP if initiated by customer, if I'm not wrong.

Us bank and Wells Fargo can be SP or HP.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

Themanwhocan · ‎07-30-2013

Try this post:

http://ficoforums.myfico.com/t5/Credit-Cards/Check-to-see-if-a-card-pull-Hard-or-Soft-when-requestin...

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800