Well I went online today and requested an increase so they raised it from 25k to 35k this morning, kind cool.

But I wish I could use a 0% BT, but on anotehr card since I use the USAA one as primary.

We know the "Discover Rule" requires any CLI beyond 15k (if you've already reached 15k) to be a hard. But what about other issuers? I'd like to get some data points for similar rules from various issuers. In a couple of recent calls to Citi, I was told that anything over 20k by one CSR or 25k by another CSR require a hard - but two different figures from two different CSR isn't much of a rule...

mhesidence said:That's the old rule, the new "Discover Rule" is beyond 25K. I went from 14K to 17.5K last month, no hard pull.You weren't at 15k when you were bumped to 17.5k. I've seen no exception to the rule for those already beyond 15k.

Tried doing Chase online CLI. I have 3 accounts. Increased one within a few hours from 3k > 7.5k. I tried another to go from 2k > 15k, and was denied, haha, guess I got a little over-zealous. Is doing Chase by phone the best strategy? Cuz the online one makes you put in a specific requested dollar amount, sheeshhhhh

Is this a hard pull? The message I got.

"We regret that we are unable to approve your request at
this time. You will receive a letter explaining that
decision in approximately two weeks. The letter you
receive will provide the reasons why we are unable to
grant the additional credit to you. The letter will also
include the name and address of the credit bureau agency
that the report was requested from for our decision.

is chase always a hard pull?

everytime i ask for an increase online it asks to fillout information and says they can request whatever they want. anybody with the info? thanks in advance

vwbugman69 said:Is there a specific automated number to call for Chase or simply the number on the back of the card?The number on the back of your card.

Thanks Sandy

neednowallet said:would it be really bad for me to have a hard pull ? I must decrease my utlization ratio (currently it is at 90-100%)Without additional info, no one here will be able to say if it's a bad idea for you to take a hard - you'll have to make that call. In general terms, the 90-100% ut is killing your FICO (unless you have a number of other revolving accounts with low ut to balance it all out). Is your total ut so high that it might cause Chase to decline your CLI request outright? - double whammy, now you have 90% ut and a ding of a few points to boot. However, a significant enough CLI would take off some of the ut pressure - you'll get those points back + more in the next 6 months. Greater benefit may be gained by paying down your balance.

my friend got her AMEX blue sky in june.. showed her the online CLI page.. and she got an instant CLI, doubling her CL to $5,000 after only having the card for 2 months. didn't have to enter any info either.

That sure implies hard pull.

danboris said:Tried doing Chase online CLI. I have 3 accounts. Increased one within a few hours from 3k > 7.5k. I tried another to go from 2k > 15k, and was denied, haha, guess I got a little over-zealous. Is doing Chase by phone the best strategy? Cuz the online one makes you put in a specific requested dollar amount, sheeshhhhh

Is this a hard pull? The message I got.

"We regret that we are unable to approve your request at
this time. You will receive a letter explaining that
decision in approximately two weeks. The letter you
receive will provide the reasons why we are unable to
grant the additional credit to you. The letter will also
include the name and address of the credit bureau agency
that the report was requested from for our decision.