DjPiLL said:Has anyone gotten an online CLI with BoA with their Experian frozen? I am about to try this but my EX is frozen. Not sure if it will work. Maybe I should call them and give them the pin?
Yes, just did it a few days ago with BoA and EX frozen. Worked fine and went from 13,800 to 15,000 CL.

Dutchtroll said:BobbyRobert said:Just a datapoint:


Went to my citi business card site (this still has the old citi interface for some reason). Clicked on the CLI request option and, for the first time ever, they granted me an free (no hard pull) 8k increase on my 29k CL business card. I was surprised since this card is half way through a 90% utilization promotional BT pull.

Strangely citi still refused to even offer an online CLI option for my daily driver professional card which gets heavy use (and monthly payoffs).

YMMV

Just tried an online request for an additional 2000 on my measly 10000 CL for citibusiness card and got this:

We have received your request for a credit line increase and have forwarded it to our Credit Department for review. You'll receive a letter from us within 7-10 business days.

Anyone know if this means a hard inquiry for this request?If you had to enter income information and submit a form, then it was a hard. Otherwise, if there was no form it was a soft.

cardjuggler summary

I know this is a dumb question... but reading a few of the pages I couldn't figure out.. How do you know if you get a hard pull or not. I just asked for CLI from AMEX and not sure if I got a hard pull or not.

Wid3load said:I know this is a dumb question... but reading a few of the pages I couldn't figure out.. How do you know if you get a hard pull or not. I just asked for CLI from AMEX and not sure if I got a hard pull or not.

I have found the info in the Quick Summary to be accurate:

No Hard Pull:
...
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)

So, if you used the online form, there should be no hard pull. I don't know what will happen if you try it over the phone.

jackcrawfish said:Dutchtroll said:BobbyRobert said:Just a datapoint:


Went to my citi business card site (this still has the old citi interface for some reason). Clicked on the CLI request option and, for the first time ever, they granted me an free (no hard pull) 8k increase on my 29k CL business card. I was surprised since this card is half way through a 90% utilization promotional BT pull.

Strangely citi still refused to even offer an online CLI option for my daily driver professional card which gets heavy use (and monthly payoffs).

YMMV

Just tried an online request for an additional 2000 on my measly 10000 CL for citibusiness card and got this:

We have received your request for a credit line increase and have forwarded it to our Credit Department for review. You'll receive a letter from us within 7-10 business days.

Anyone know if this means a hard inquiry for this request?If you had to enter income information and submit a form, then it was a hard. Otherwise, if there was no form it was a soft.

cardjuggler summary

Nope, no form, but got dinged with a hard inquiry. Dang! they must be getting paranoid big time now.

jackcrawfish said:AM3X is changing their tune... reallocation... CLI's hard...

they already FR if you cause suspicious activities

lowering limits

Have we confirmed that online reallocation is gone for everyone? (It is for our family)

Has anybody tried reallocating over the phone?

I always thought that feature was one of the niftiest on the Am3x site. I'll be sad if it's gone forever.

Just used online form for BofA CLI.
I have two CC from BofA.
CLI : 1000 to 1300 and 3500 to 5000. Both were instantly approved.

Wid3load said:On the chase.com website for my credit card... for an increase it says put in the amount and your income. and they will determine it in 4 hours... does this mean they do a pull??
Chase has *always* done a hard pull for a CLI.

Most likely not. You might as well "spend" that same inquiry applying for a *new* card from Chase so that:
1) you can get some sort of an intro bonus
2) you can get a larger CL (than you'd get through CLI) and then consolidate the new card onto the existing one (bear in mind though that if you credit history is weak, the new card might temporarily lower your credit score by a little bit in addition to the hit from the inquiry)

I just did the online form with BOA and went from 9900 to 17.5K in about 5 seconds. I had requested 20K, so I'm wondering if I can try this again in a few weeks. Does anyone know how long I should wait?

Edit: I did it on my other BOA card, which I never use. Went from 500 to 1K. Yipee. The 17.5K already shows on my other account so I can't complain too much.