CHASE: - As of Feb 2023, Chase allows soft pull credit limit increases (CLI) on both personal and business cards. - CLI opportunities are available in-app and over the phone. NAVY FEDERAL: - Navy Federal allows up to $9K per CLI request, and you can request one every 91 days. - Soft pull CLI is only available via in-app request for personal cards. - If you call for personal cards, you will get a hard pull. However, there have been cases where two cards were approved for an $8K CLI in a single day from a client. AMEX: - All CLI attempts with Amex should be soft pulls unless otherwise prompted. - The Amex 3X rule is popular, where you can ask for up to 3 times your current limit and possibly receive an instant approval. - To maximize CLI chances, spend on the card for 91 days, then pay it off and ask for CLI. - Mark your calendar for 181 days after the date of the first CLI and ask for a second increase on that date. Wells Fargo: - Wells Fargo allows soft pull CLI on the personal side. - BILT also allows soft pull CLI every 91 days. APPLE CARD: - When you first get the Apple Card, do 20 small transactions within the first week to potentially trigger an auto CLI. - The CLI timeframe for Apple Card used to be 91 days, but there are mixed reports saying it may have changed to 181 days. - CLI requests are still soft pulls. - Some users have reported going from $6.5K to $15K to $25K CLI using this strategy. - This strategy may work for GM cards as well. CAPITAL ONE: - Capital One is conservative with CLI requests. - They allow soft pull CLI, but require 180 days in between requests to avoid being considered "too frequent." DISCOVER: - Discover allows soft pull CLI, even as frequent as every 31 days. - It is recommended to wait for at least 91 days between CLI requests to avoid potential financial review. Bank of America: - Bank of America allows soft pull CLI on the personal side. CITIBANK: - Citibank allows both soft and hard pull CLI. - It is best to request CLI in-app and ensure there is no language about requiring a hard pull.

Hi everyone! If you're new to the skool community, please leave your name, where you're from, and what specific topic you're here for!