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.