Chase credit card increase without hard pull

Yes, a Chase credit limit increase will use a soft pull, but only if Chase offers it, not if you request it. If you ask for a higher spending limit, Chase will do a hard inquiry into your credit history, which will cause a temporary dip in your credit score.

You can ask Citi for a credit limit increase by using its website or app or by speaking with a Citi customer service representative over the phone. Citi typically does not carry out a hard credit inquiry unless you request a higher limit than what Citi initially grants.

Sometimes, your credit card issuer may automatically increase your credit limit based on certain factors such as having the card open for a long period of time and making payments on time. If this happens, they may send you communication that your limit has increased, so be sure to monitor for these notifications.

You'll see a hard credit inquiry. If Chase increases your credit limit automatically, it won't do a hard check of your credit. If you request the increase, however, Chase will make a hard credit inquiry. This will lower your score temporarily, which can offset any utilization benefit.