Amex credit limit increase hard pull

amex credit limit increase hard pull

Amex credit limit increase hard pull

As a general rule, whenever you contact a credit issuer to request an increase in your line of credit they are going to perform a credit inquiry to one or more of the three major credit reporting agencies (Equifax, Experian, and TransUnion). They do this to evaluate the risk you pose as a borrower and if they are comfortable with extending additional credit. This inquiry is most cases is called a hard inquiry. Ideally, you want a creditor to perform a soft inquiry (See: Difference between a hard inquiry and a soft inquiry).

That said, not all creditors will perform a hard inquiry when offering a credit line increase, however if you want an increase in a credit line you should be willing to accept a hard inquiry for a creditor to validate your credit history. Check out my video for more information:

  • American Express (soft pulls are possible)
  • Bank of America, Barclays, and Chase will always perform a hard pull of your credit when looking at a credit line increase.
  • Capital One (soft pulls are possible)
  • Citi and Citi Soft Pulls (soft pulls are possible)
  • Discover (soft pulls are possible)


which credit card companies do a hard pull for a credit

Posts Of Which Credit Card Companies Do A Hard Pull For A Credit

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Amex credit limit increase hard pull

Which Credit Card Companies Do A Hard Pull For A Credit

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