Comments on: The 10-Second Credit Limit Increase

By: AustinTex

AustinTex — Sun, 04 Sep 2011 01:14:11 +0000

Well, what they mean is that they will pull a soft report, not a hard inq. They’re just letting you know that they will be accessing your report though.

By: kudos

kudos — Wed, 20 Jul 2011 18:36:35 +0000

I know this post is a bit old but it actually says it will pull credit –
By submitting this form you authorize Citibank (South Dakota), N.A. to check your credit history.

Was this the case when all you guys got approved?

By: Jeffery

Jeffery — Wed, 03 Mar 2010 00:57:42 +0000

I did this once with a new BoA credit card. It said to call for a review… I did and they said they were going to not only deny the increase but close the account for further purchases.

I had no late payments and no new negative information on my report. The guy on the phone would not help me out or explain aside from reading me their prescripted reasons. “Past collection account. You have sufficient debt.”

I ended up having to go to a BoA branch and have the credit specialist call a senior credit analyst and explain everything again on the phone before she reinstated my account.

Now I am too scared to hit the button again.

By: Soccer9040

Soccer9040 — Wed, 06 Jan 2010 13:58:58 +0000

I run my credit once every few months using annualcreditreport.com and I was alarmed by what I saw this time. My 2 Chase cards reported having a 0 credit limit. This means my credit utilization was sky high. I disputed the items and within days they came back and said the problem had been fixed, but it made me take a 2nd look at my credit limit. I wish Chase had a way to do an online increase. I guess I’ll just have to call the old fashion way.

By: T

Mon, 04 Jan 2010 20:45:48 +0000

Interesting experience with Chase. I had initially opted out of automatic line increases (the kind of increase that you don’t ask for) and when I called to Opt-in, I was told that it was not possible…

By: blk94civ

blk94civ — Mon, 04 Jan 2010 15:42:07 +0000

I did this a few weeks ago as well, It seems you can do it about 2-3 times a year.

By: eric

eric — Fri, 25 Dec 2009 22:38:27 +0000

yup they do. i called and got an automatic increase that way too.

By: govenar

govenar — Fri, 25 Dec 2009 13:35:36 +0000

Discover has an automated way in their phone system to request a credit limit increase (at least, they did a few months ago). I called the number on the back of the card and chose option 5, then 4, I think.

By: aua868s

aua868s — Fri, 25 Dec 2009 11:51:19 +0000

i would suggest you calling them up…if it will be a hard pull, say adios!

By: jsbrendog

jsbrendog — Thu, 24 Dec 2009 22:21:48 +0000

i have the chase freedom card and have been thinking of requesting a credit increase but am not sure if it will be a hrd inquiry..if it is it might not be worth it.

anyone know?

By: Shirley

Shirley — Thu, 24 Dec 2009 14:46:42 +0000

Same for Discover… nothing.

By: vtomar

vtomar — Thu, 24 Dec 2009 14:01:46 +0000

I could not find anything similar for chase bank

By: Izalot

Izalot — Thu, 24 Dec 2009 02:45:08 +0000

I’m on the Chase team as well…sigh.

By: zapeta

zapeta — Thu, 24 Dec 2009 01:55:22 +0000

I wish Chase had an option to do this. My utilization is low but could be lower.

By: Greg

Greg — Wed, 23 Dec 2009 23:38:23 +0000

Thanks for the tip. Just got $1500 increase each on my two cards with them.