We recently reported that Chase stopped doing a hard pull on your credit report when requesting a credit limit increase.
Hard pulls affect your credit score (but not much). Soft pulls do not affect your credit at all.
So I decided to put together an updated list of which banks do a hard pull and which banks do a soft pull when requesting a credit limit increase.
American Express
- Most requests do not result in a hard credit pull.
- You can request a credit increase in as little as 60 days from opening the account. There are a lot of data points saying that they got up to a 200% increase from their current credit line.
- It is recommended to wait six months between requests.
Barclay
- A credit line increase usually results in a hard credit pull.
- You can request a credit line increase at any time over the phone, or online – under account management.
Bank of America
- A credit increase will result in a soft credit pull only.
- It is recommended to wait six months before you request another credit increase.
Capital One
- No hard credit pull.
- You can request a credit increase every six months over the phone.
- Capital One will usually want to see high credit usage before approving a credit line increase.
Chase
- Update: Chase no longer does hard pulls for credit limit increases. A credit limit increase will only result in a soft pull.
- A credit line increase can be requested over the phone or online.
Citi
- No hard credit pull.
- It is recommended to wait six months before requesting a credit increase.
Discover
- Discover usually does not do a hard pull when requesting a credit increase. If they do need to do a hard pull they will notify you.
- You can request a credit increase once every 90 days over the phone or online.
US Bank
- No hard credit pull.
- It can be done online or by phone.
Wells Fargo
- You can request a credit line increase with a soft pull. If you’re not approved, then you can request a credit line increase with a hard pull.
Synchrony
- A credit limit increase can be done without a hard pull.
- It can be done by phone or online.
- Some suggest requesting the increase by phone rather than online; they claim approval rates are higher by phone than online.
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With Capital One, you can also request online.
And In fact, I recently received a 200% credit limit increase on my Amex card.