We all know (or are in the process of learning) that all card issuers are not created equal.
Some offer credit generously while others are stingy, some pay no mind to little usage while others take offense and hit you with the dreaded CLD.
One distinction though, I find particularly useful. However, I'm having a difficult time nailing it down... Soft Pull Credit Line Increases!
Armed with the right knowledge, one could go in search of higher credit lines with relative safety - even while gardening.
Hence this thread... I'd like to build a list of issuers that are known for SP's on consumer initiated CLI requests.
Off the bat, a couple come to mind, but are there others? What has been your experience?
- AMEXCLI with SP (dare I say unanimously?)
- GECRBCLI with SP for most cards, but not all? Is it true that Care Credit for example, is an exception?
- CITIIndeterminate - I hear they used to have a short and long form that could give you a clue, but no more.
- Others?
Share your knowledge and experience, I'll keep this first post updated as time goes on for future ease of reference.
I've searched the boards and not found anything along these lines. Mod's - please redirect thread if it exists and I've just not found it.
