I am looking to get some credit line increases on the following cards: Household - (6 months old) AMEX Blue - (1 year old) Citi dividend - (1 year old) My question is do these companies pull a hard for credit line increases? No lates, No over limits, high balances on Amex and Citi...
I have received online increases from Amex & Citi. Most are pre-approved. Neither pulled a hard inquiry. However, if they ask you to complete a form online (employment, salary, etc.) they will pull a hard. I have called Amex to inquire about a larger increase than the one offered on the website without a hard. I was then transferred to Amex Centurion Bank. The rep asked me how much I wanted and gave it to me in less than 30 seconds. I have never called Citi for a manual increase. Hope this helps. Good luck!!
