What cards give CLI's without asking (soft pulls)?

[pdxuser]

Or is Santa Claus not real?

[Anonymous]

Discover gave me one without a hard pull about a month ago. Per another poster's instructions I called the number on the back of the card and went the automated route.

[wmarat]

If you mean Auto CLI, it does exist. All big issuers (BOA, AMEX,CITI,DISCOVER EVEN CHASE) practice it. I've got auto cli from BOA and Citi.

[Anonymous]

WAMU  but they are probably being careful right now.  CAP ONE  if you call back door they will give with no  pull.  HSBC  you have to beg and handover your first born but it will be soft if they give you one (only through back door).

[Anonymous]

Many times I got an automatic CLI with Discover for me.

I had a few lates (never 30) so I was ratejacked. I also had a BT on that account too. From their standpoint, I felt like the CLI did more to protect their high interest purchase rate on me, so it made financial sense for them to do it. If I then added to my purchases, they made more money off high interest, if I BT'd more, I had to pay more money before I could pay down my high interest purchases. Either way, they won financially.

Every time I got a Discover CLI, I had at least 75%-95% util on it. It seemed they could sense that they were making good money off of me, and again that data would support this being a profitable mild risk.

Before the CLI I also set up for automatic minimum payments, which probably added to their sense of security that I would be a steady income stream for them while barely paying down my balance.

Now I have BTd all that debt to BofA 0% until June, and PIF Discover every month because of the ratejack. Of course I don't use BofA for anything  else so I don't fall for the BT trap of not being able to pay purchases first. I asked Discover for a rate lower, and they granted some of it. In a month or so I will ask again. After months of barely using the card, I am getting really good BT offers on it. I hope they are around in June so I can BT away from BofA whatever I haven't paid off.

[Anonymous]

On the other hand, this summer my WAMU DECREASED my CL for no apparent reason. This caused a big drop in my FICO score.

When WAMU was almost belly-up this fall, it seemed to make sense. I felt this was a defensive measure because of all the money they were losing in the mortgage market, and I had 3 lates on the account (but never 30 days.) It was odd that it took over 6 months after the last late to decrease my credit limit - so I figured there were other factors in play - and that factor was probably WAMU's credit crisis.

It will be interesting what happens when Chase sorts this all out. Now Chase owns my car, my home, and 2 of my credit cards. 

[MidnightVoice]

If you ask Chase it is usually hard.

If you ask Amex or Juniper it is usually soft.

MY CU pulls a hard 

[pdxuser]

What about the much-loved Penfed and NFCU?

[wmarat]

HTSU reported that she got auto cli on Penfed on 6 month mark. My 6 month mark is in a few day. Customer initiated CLI requests are hard pull.

Do not have NFCU, do not know.

[Anonymous]

Most cards do including Cap One for many.....the most generous seem to be BoA and Citi from comments on this board. Penfed has a great rep on this board but I am not sure about their auto CLI's. They usually start at a great initial line though.