Found that AMEX and FIA (formerly MBNA) do not pull hards on CLI. They simply check your payment history with them and may ask about your income. I went from a measly $500 cl to a 15k cl with FIA in less than 15 months without a single inquiry.
Citi is also pretty good at giving good CLI if you've had a good history with them.
Citi is the best. CLI has NEVER costed me an Inq and I have had several.
City pulled hard inq's on me every time. Refusing to increasing my credit lines.
Are you filling out the form and requesting a CLI? The form will cost you an Inq. However, if you are presented with a CLI on the CLI page you will get it without a hard.. just remember, Citi form ALWAYS requires an Inq.
Citi increased my CLI from 3750 to 4950 w/o an inq. For a higher CLI, which I would have probably qualified, they said they would have to pull a hard one.
