I just did a CL increase on my Bofa CC. It was on the phone. The CSR did not mention anything about the credit history pull. Does it mean that it is soft?

While, for my FirstUSA bank CC, the CSR mentioned that they submit a request which will result in Credit history pull (a hard pull)

Well if you do lots of buying and payments they like to give you free CLI, just got another CLI from AMEX today for $1400. Ive had my card since Aug 24

Converted my Citi Dividend to Diamond Preferred recently. Received the card today and called to activate. CL is $11500. The CSR said she could increase it to $13500 if I agree to do a BT at 3.99% with no other fees. I declined.

The Dividend card has been in-use for more than 2 years, but I have tried the auto CLI button a couple times recently. I got the long form every time.

cameron2003 said:busterbaxter said:Converted my Citi Dividend to Diamond Preferred recently. Received the card today and called to activate. CL is $11500. The CSR said she could increase it to $13500 if I agree to do a BT at 3.99% with no other fees. I declined.

The Dividend card has been in-use for more than 2 years, but I have tried the auto CLI button a couple times recently. I got the long form every time.

Weird, its like a negotiation. I wonder what would have happened if you countered with 1.99% or something?

I won't even accept it even at 1.99%, as I have other cards that give 0% BT. In addition I found it very difficult to understand the Indian CSR anyway.

Good work. None of them caused a hard pull?


TJ665 said:I just love AMEX! Only thing I've been doing is using the online CLI link and enter the four digit code on the card.

AMEX Blue with 0% APR on purchases for 15 months.
Initial limit was $3,400 late June 06. Typically charge about $500-$1,000 monthly. Currently carrying a balance of about $2,000ish.

Few Days later - $4,300 [$900 increase]
Late July 06 - $5,200 [$900 increase]
Late August 06 - $6,500 [$1,300 increase]
Just Today - $10,300 [$3,800 increase] (Largest jump)

$3,400 to $10,300 in about three months. Not bad. This is my first credit card with at least a $10,000 limit.

In comparsion, my two citicards and one chase card have limits ranging from $3,600 to $4,800. Held both the citicards for at least a year.

busterbaxter said:cameron2003 said:busterbaxter said:Converted my Citi Dividend to Diamond Preferred recently. Received the card today and called to activate. CL is $11500. The CSR said she could increase it to $13500 if I agree to do a BT at 3.99% with no other fees. I declined.

The Dividend card has been in-use for more than 2 years, but I have tried the auto CLI button a couple times recently. I got the long form every time.

Weird, its like a negotiation. I wonder what would have happened if you countered with 1.99% or something?

I won't even accept it even at 1.99%, as I have other cards that give 0% BT. In addition I found it very difficult to understand the Indian CSR anyway.

Something weird has happened. I checked my account the day after that conversation, and notice that my CL has increased from 11500 to 12100. How odd.

duna said:Good work. None of them caused a hard pull?


TJ665 said:I just love AMEX! Only thing I've been doing is using the online CLI link and enter the four digit code on the card.

AMEX Blue with 0% APR on purchases for 15 months.
Initial limit was $3,400 late June 06. Typically charge about $500-$1,000 monthly. Currently carrying a balance of about $2,000ish.

Few Days later - $4,300 [$900 increase]
Late July 06 - $5,200 [$900 increase]
Late August 06 - $6,500 [$1,300 increase]
Just Today - $10,300 [$3,800 increase] (Largest jump)

$3,400 to $10,300 in about three months. Not bad. This is my first credit card with at least a $10,000 limit.

In comparsion, my two citicards and one chase card have limits ranging from $3,600 to $4,800. Held both the citicards for at least a year.

No hards at all.

Anyone else here get the MBNA Quantum Card? My household brought in over $700K last year from casino revinue's and they only gave me a $150K Limit (MAX $250K Limit). I had called in to get a credit line increase on my other MBNA card and after the cards limit was raised from $25K to $35K, the CSR recommended I get the Quantum Card. Still disapointed. And! They even got my W-2 and a letter from our tribal office explaing what each tribal member recieves, and my tribal ID card.

I also called in to BofA to increase my Visa Signature Limit, which they did from $15K to 25K.


Info: 2 Year Credit History in good standing.

Wow. Started reading this thread and figured, what the hell, I'll log in to my USAA account and see what's up. USAA standard Mastercard, $2K limit. Entered my household income and now it's $30K. No inquiry, according to the language on the web page. Wow.

I just clicked on the increase CL link with Citi and got this message:

We can not increase your limit at this time because "Your payments have been low on one or more of your accounts with us"

Anyone ever get that? I have some 0% money out, and alway pay more than the min.