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ahj3939 t1_jearbxi wrote on March 30, 2023 at 5:32 PM

Reply to comment by micreyes11 in Why are we encouraged to charge everything to a credit card but get penalized for high credit utilization? by New-Row7111

A lot of banks won't do hard pull

Bank of America

Citi

Discover

Capital One

Amex

Wells Fargo

And that's just off the top of my head. Here's another list: https://www.doctorofcredit.com/credit-cards/which-credit-card-companies-do-a-hard-pull-for-a-credit-limit-increase/

Unless you're applying for a mortgage in the next 3-6 months and your scores are already marginal I wouldn't stress a hard pull too much.