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Credit Limit Increase -Which Banks Still Do A Hard Pull

- Sep 26, 2023 credit, Credit Card Info1 comment

American ExpressBarclayBank of AmericaCapital OneChaseCitiDiscoverUS BankWells FargoSynchrony

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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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.
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1 Comment

  1. YISHAI UNGAR YISHAI UNGAR 7 months ago

    With Capital One, you can also request online.
    And In fact, I recently received a 200% credit limit increase on my Amex card.

    Reply

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