Requesting a credit increase
Does requesting a credit increase result in a hard inquiry or soft inquiry? I hear it varies lender to lender?
iPhone 11 Pro Max, iOS 15
Question marked as
Hi, Goldman Sachs, the Apple Card issuer and servicer, does a soft pull from TransUnion of your FICO 9 score. If your application is approved you’ll get an offer showing your Credit Limit and APR. If you accept the offer, they’ll do a hard pull.
Here are several support articles that cover the process and how Credit applications are evaluated.
https://support.apple.com/en-us/HT209257
https://support.apple.com/en-au/HT209218
Credit Limit Increases are a soft pull from TransUnion and frequently it’s the last month that was reported.
https://support.apple.com/en-us/HT212307
I hope this helps.