Hard pull for CLI?

[Anonymous]

I just called Chase ("Freedom" ... yeah right) Visa to request a CLI.  They said they'd have to do a hard pull.  I said, no, it would be a soft pull because you're a current creditor of mine.  The CSR (who sounded like he was 14) said no, they must do a hard pull for a CLI; it would be a soft only for account reviews.

This makes no sense to me -- they're going to get the same info whether it's a soft or a hard, right? Can anyone explain/confirm/deny.  TIA.

[Tuscani]

CLI will almost always cost you a hard.

[Anonymous]

Why?  To discourage people from making frequent CLI requests?

[Tuscani]

No.. because you are requesting the CLI. Inqs are generally only coded as soft for AR and CLI given to you without asking. Make sense?

[Anonymous]

Yup.  Still stinks. 

[Tuscani]

Indeed.

[Anonymous]

At least it's not one of the subprime cards where they CHARGE YOU A FEE when they grant you a CLI.

[Tuscani]

Yea... Appllied Card Bank (aka Cross Country) still charges a $100 fee to up your CL $300.. lol. Easy money for them when suckers fall for it.

[Anonymous]

I just called Discover and got my CLI increased by $1,500 without any pull, based only on my history.  So it is possible!  They said they'd have to do the full enchilada if I wanted a bigger increase.

[Anonymous]

Citi is also pretty good at giving good CLI if you've had a good history with them.