Inquiries for CLI Requests?

[Anonymous]

Hello all,

I was wondering if CLI's have the same effect on your credit as actually applying for a new card? Or what type of effect they have at all?

I've religiously been working on repairing my credit after dealing with some stupid college-age decisions (stupid, stupid me)....so far about 100 points in 2 years! Trying to buy a house in the next 6 months if all keeps going well *fingers crossed*!

[Anonymous]

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MsTara wrote:

Hello all,

I was wondering if CLI's have the same effect on your credit as actually applying for a new card? Or what type of effect they have at all?

I've religiously been working on repairing my credit after dealing with some stupid college-age decisions (stupid, stupid me)....so far about 100 points in 2 years! Trying to buy a house in the next 6 months if all keeps going well *fingers crossed*!

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Most issuers will do CLIs with only a soft anda good payment history.  But ASK!!  Some are notorious for requiring pulls and yes they affect you just like any other inquiries.

[MidnightVoice]

Chase is a hard pull, as is my Local CU. Don't know about Juniper umtil next year

[Anonymous]

Junny wasn't hard on cycle not sure about off cycle.  they do periodic reviews, lets just say VERY periodically.

[SonorityGenius]

Amex is always a soft for me.

Citi is non pull if you get the auto congrats message, but form = hard

chase is always hard, I realized it the hard way! =(

[MidnightVoice]

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@Anonymous wrote:

Junny wasn't hard on cycle not sure about off cycle.  they do periodic reviews, lets just say VERY periodically.

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When is the cycle? I am on my 7th month, and they check me every couple of months. The next check will reveal they are my lowest CL, so I am interested

[Anonymous]

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@MidnightVoice wrote:

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@Anonymous wrote:

Junny wasn't hard on cycle not sure about off cycle.  they do periodic reviews, lets just say VERY periodically.

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When is the cycle? I am on my 7th month, and they check me every couple of months. The next check will reveal they are my lowest CL, so I am interested

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Got my first CLI in mos 6, passed over at 1 year mark with no negs.  They are very....weird.

[Anonymous]

Bad news about Chase. Was considering chatting them up tomorrow on my day off. Also need to call my dental insurance provider...hmm...that'll be fun. Haha, thinking out loud through posting. Thanks Fico Forums. You remind me of my daily itinerary.

[JuliaTN]

Online BOA "Request credit line increase" specifies that there won't be a hard inq