How are they with Cli and any idea who they pull?I opened a account roughly two years ago and at that time I was rebuilding my scores and credit.I was gives a $500.00 limit at that time and just thought it would be good for util.I am assuming they do a hard pull?
I requested a CLI online on my BB store card a couple of months ago and they doubled my limit. At that time the card had been open or 18 months. Someone else had mentioned it was a soft when they did it, and while I am not 100% sure, I do not recall seeing an inquiry from them when I pulled my credit reports from the CRA's themselves in September. I will be pulling again in a couple of days from myfico.com and will know for sure.
HSBC is usally pretty good about just doing a soft if it is for a CLI. I always ask to verify with the CSR before going through with the process, but in the last two and a half years, i have never recieved a hard from them.
Current: TU (5/14/14): 796 (Inquiries; 8/23/13) EQ (3/23/14): 791 (Inquiries: 8/23/13) EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)
Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
I called in April and they increased my limit from $500 to $1200, after just five months of having the card. At first they offered $800~ and asked if that would help. I was shopping for a laptop at the time and I asked if they could go any higher and she said "Let me see........ I can increase it to $1200, but that's as much as I can offer." I took it.
Current Score: EX 772 EQ 777 TU 783 15 Jan 17