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I looked at the CLI form for my Barclay Apple rewards card and the languaging describes a hard pull if I submit it.
Is it worth calling them to see if I could negotiate a CLI with a soft pull?
It is always worth calling but only for a soft pull.
You should check the Capital One site for the Credit Line Increase (CLI) button. If it is there you might get a decent increase now that you have an $8500 CL with Barclay. I get $1500-$3000 from Capital One every 6 months.
Good luck.
@DawgZ wrote:It is always worth calling but only for a soft pull.
You should check the Capital One site for the Credit Line Increase (CLI) button. If it is there you might get a decent increase now that you have an $8500 CL with Barclay. I get $1500-$3000 from Capital One every 6 months.
Good luck.
I probably ought to try Cap One again myself...I still have one try left to go before the Credit Steps increase which I calculate will be next month after my 5th statement cuts.
I wouldn't lead with that. Ask if you have any special offers or a lower APR. If you do, you'll be transferred to the area that might have a soft CLI available for you.