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Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?

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Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?

I'm going card shopping and raising limits so need to start with ones that don't do multiple HP's to raise limit on current card and open a new card(if they even exist) Ones I'm going to try are Chase, Discover, Citi, US Bank, and PNC. All cards have been open for multiple years.

Message 1 of 9
8 REPLIES 8
New Contributor

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?

A vast majority of the only do a single pull. You can count on a triple pull with Capital one so take them off of your list.

 

Here is a good recource.

 

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

Message 2 of 9
Super Contributor

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?


@duckSF wrote:

I'm going card shopping and raising limits so need to start with ones that don't do multiple HP's to raise limit on current card and open a new card(if they even exist) Ones I'm going to try are Chase, Discover, Citi, US Bank, and PNC. All cards have been open for multiple years.


Discover will normally not pull for a CLI request and does a single bureau for a new card. 

Chase and Citi are both known to double pull for a new card at times and CLI requests with both can be an HP (Citi will have language that says they won't pull a credit report if you're eligible and it's always a HP for Chase). 

US Bank pulls both for new card and CLIs. 

I don't know about PNC since I'm not in their market. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 3 of 9
Established Member

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?

No my question is how many hard inquiries, not how many credit bureaus. For that there is a better one at creditboards which lets you search by state.

Message 4 of 9
Moderator

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?

Just to clarify, OP is asking which lenders will use the same pull for both a CLI and a new card application.  Do note that the credit pulls database is outdated and no longer maintained, therefore the information may not be correct.

Message 5 of 9
Valued Contributor

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?


@K-in-Boston wrote:

Do note that the credit pulls database is outdated and no longer maintained, therefore the information may not be correct.


I believe    does still update that listing at

"The "Which Banks Pull Which Report For Apps" list"
 
 
While the thread was started on 03-18-2019, the inital
 
posting appears to have been updated regularly. 
 
The latest shows:

UPDATED 09/14/19

Thank you,

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 6 of 9
Moderator

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?


@Aim_High wrote:

@K-in-Boston wrote:

Do note that the credit pulls database is outdated and no longer maintained, therefore the information may not be correct.


I believe    does still update that listing at

"The "Which Banks Pull Which Report For Apps" list"
 
 
While the thread was started on 03-18-2019, the inital
 
posting appears to have been updated regularly. 
 
The latest shows:

UPDATED 09/14/19

Thank you,

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

 


@Aim_High

 

An additional point of clarification, @K-in-Boston is not referring to the listing that's updated here on the forums, the OP and K-i-B are referring to the Credit Pulls database that resides within the Credit Boards site (cannot be linked here per myFICO TOS).  Hope this helps. 

Message 7 of 9
Valued Contributor

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?


@FinStar wrote:

@Aim_High

An additional point of clarification, @K-in-Boston is not referring to the listing that's updated here on the forums, the OP and K-i-B are referring to the Credit Pulls database that resides within the Credit Boards site (cannot be linked here per myFICO TOS).  Hope this helps. 


Ah, yes it does.  I misunderstood.  Thanks.




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 8 of 9
Established Member

Re: Which banks pull only 1 hard inquiry for new card and credit limit increase on old card?

Well, here's an update to anyone following this. Just applied for Chase Saphire Prefered, got approved(pulled EQ)

Message 9 of 9
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