SINCE I HAD MY EXPERIAN OUT FOR AN ANSWER TO ANOTHER POST... I started reading everything...I found out my "PRE-APPROVED" $5,000 CREDIT LINE INCREASE REALLY WAS NO INQUIRY... BUT THE DAY AFTER A BALANCE TRANSFER POSTED TO MY ACCOUNT...I HAD A "HARD INQUIRY" (first time I've seen an inquiry for a balance transfer)!!!! This will be disputed...for all the good it will do!!!!!!