Credit Tips: Is a Credit Card Limit Increase Inquiry a Hard Pull on Credit Report?

Posted On: July 20, 2006

Author: spjoink
Posted: Thu Jul 20, 2006 10:34 pm
Post subject: chase problem ……

I called chase yesterday for a milage credit for my british airways account, at the end of the conversation i asked the rep if i could get a cli without an inquiry into my credit report , the rep said…”it will NOT be a hard pull…..i was denied …today i saw they pulled an experian hard hit anyway,,What can i do …its just not right to lie to a good customer…my limit is $16500.00 and i have a balance of $309…i am very upset about this….
What you guys think?

Author: Polonius
Posted: Thu Jul 20, 2006 10:52 pm
Post subject:

No one lied to you. The CSR just didn’t know. Lots of them are ignorant. They try to be helpful.

As to what to do? Forget about it. It’s not important.

Author: spjoink
Posted: Thu Jul 20, 2006 11:10 pm
Post subject: Is a Credit Card Limit Increase Inquiry a Hard Pull on Credit Report?

she and i discussed the matter in details..she assured me it would be no pull.
i now have 29 inquiries on experian the last 2 yars…i have one transunion and nine eqifax, i need a card that pulls trans in southern california, looking for a 0% bt offer..any suggestion

Author: mouse
Posted: Thu Jul 20, 2006 11:29 pm
Post subject: Re: chase problem ……

Quote:

“spjoink”
I called chase yesterday for a milage credit for my british airways account, at the end of the conversation i asked the rep if i could get a cli without an inquiry into my credit report , the rep said…”it will NOT be a hard pull…..i was denied …today i saw they pulled an experian hard hit anyway,,What can i do …its just not right to lie to a good customer…my limit is $16500.00 and i have a balance of $309…i am very upset about this….
What you guys think?

You may be able to dispute it with the CRA

Author: fenster
Posted: Thu Jul 20, 2006 11:36 pm
Post subject:

With 28 inquiries before you were hit one more time, what difference does it make? Whoever pulls Experian won’t like you with that kinda load.

In terms of TU pulling, BofA likes to pull TU, especially in California, WAMU pulls TU as well. Most non major and local California banks pull TU.

California is good for TU pullin’ and the serf.