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

 

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Question:

I want to increase my credit score by lowering my credit utilization. Besides paying down balances, I want to increase my credit limits. Which credit cards allow credit line increases without a hard pull?

Answer:

(As of September 2008)
Expect a hard pull:
  • 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.


No Hard Pull: (but read the fineprint online / ask the CSR!)
  • 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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