Citibank mailed me an offer yesterday for 5.9% or 6.9% BT until paid with credit line increase up to $5500. My current CL is 11k, so they're offering 50% increase. I don't care for the BT offer but I do care for the CL increase because I called only 2 days ago and asked for an increase without hard inquiry and was told they couldn't do it. So the question is, if I use this BT offer, will CITI pull a hard or will the monthly AR inquires that they pull be satisfactory? I assume if I do the BT, the CL will increase immediately and I can pay it off before my billing cycle so that the balance doesn't show - which would cause a significant drop in my 746 EQ/732 EX score?
When we got the offer about three months ago they didn't pull a hard. We paid it off before the statement closed and it now reports with a zero balance and the new credit line. DemPooches
