I called and received an increase in November '08 - having opened the NAVchek account in May'08. When I called I asked if I might be eligible for a line increase, and before I could utter another word, the csr informed me I am qualified for a 10k increase.
NFCU bases their cli increases on your history with that particular account. If your account has never gone over the limit, if you have always paid on time, then the chances are you're gonna be ok. It was a soft pull.
From what I can tell - and I may be wrong - but if they ask you to fill out an application, and ask for pay stubs, a utility bill, etc., then it will likely be a hard inquiry.
What is key, however, if your history with them.
New York Yankees - 2009 World Series Champions. 27... and counting.....