Which credit cards allow credit line increases without a hard pull?

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Question:

Answer:

• Chase - almost always - regardless
• Citi - when subitting the form online after hitting the cli button ONLINE not an option eff. 7/20/2008 - must call in
• Discover - when already at or beyond 15k
• FNBO - Always hard through form.

• Juniper / Barclay's - Call the number on the back of your card and speak to CSR and ask if you qualify for an increase (they did not ask me any income related questions).
• Discover (personal) - Call the number on the back of your card and speak to CSR and ask if you qualify for an increase (they did not ask me any income related questions).
• USAA - Initial check. Can choose to allow inquiry to try for additional review/boost
• Citi - No credit check unless rep asks you for income information; cli is instant; otherwise hard will follow
• AMEX - Use online form for no-hard CLI. Be warned of Financial Reviews though if you ask for too much. (usually up to $24,999 without additional info needed)
• Bank of America - Use online form for no-hard CLI.
• WalMart - Use online form for no-hard CLI. Every 6 months usually.
• WAMU - Unable to request CLI. Neither online nor over phone. CLI's done "periodically"

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