Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
hardinquiry

0 Contributions
0 People Helped
If I ask for a credit increase on my credit card does it cause a hard inquiry on my credit report?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
18 Contributions
11 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

The companies I have cards will utilize a hard pull on your credit when asking for credit limit increase. Most use the 3 major reporting bureaus and will pull from each at random. Ive had a few companies increase my credit limit on their own and that did not cause a hard pull. Hope this helps.

Top Contributor
119 Contributions
31 People Helped

It completely depends on which company it is. Some do a hard inquiry and some do not. From my personal experience, Bank of America (Visa) does a hard inquiry, Capital One (Visa and MasterCard) do not. If you're requesting the credit line increase online, you SHOULD see a warning if it's going to do a hard pull, and you can cancel before that happens. If you do it by phone, just ask the rep you're talking to and they should be able to tell you whether it involves a hard pull.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.