Do Credit Limit Increase Invitations Trigger a Credit Check?

LemonShapedRock on 19/06/2017 - 18:10
Last edited 20/06/2017 - 10:53 by 1 other user

Hi all,

I have a Credit Card with ANZ and just received an offer to increase my credit limit.

I'm curious, do accepting these offers result in a credit check?

I'm sure we have a few credit wiz's on here that might know this through experience.

Thanks

• 

  LemonShapedRock on 19/06/2017 - 18:13

  +1

  I know for CBA accepting these Credit Limit Increase Invitations does not result in a credit check.

• 

  Oz-Bogan on 19/06/2017 - 20:52

  Despite opting out of receiving credit limit increase invitations, NAB now send letters asking me to opt out of what I have already opted out of!

  Nice way around the governments regs………..

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  T-man on 19/06/2017 - 21:43

  ANZ does, I have the ANZ FF Black card. I accepted the invitation last year and I got a credit enquiry in my Veda account the next day.

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  Samsungnote10 on 19/06/2017 - 21:59

  Absolutely not.
  A bank cannot simply make an enquiry on your behalf because they feel like it

  If you apply for a limit increase its a different story

  However there is a difference between a pre a proved limit increase or just a random hey would you like to increase

  • 

    MadgeH on 19/06/2017 - 22:01

    Agreed. They can't do a credit check for a "pre-approved" credit limit increase invitation

  • 

    captobvious on 20/06/2017 - 01:34

    Not sure why u got neg. For most banks this is true

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  Easton on 20/06/2017 - 13:27

  +2

  This has been my experience as to whether a credit check is done for a limit increase request:

  28 Degrees: No
  Amex: No
  ANZ: Yes
  Bankwest: No
  CBA: No
  Citibank: No
  NAB: Yes
  Westpac: Yes

  • 

    LemonShapedRock on 20/06/2017 - 20:38

    Thanks for this!

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  boomramada on 20/06/2017 - 15:29

  +1

  why people worried about amount of credit check requests?

  • 

    random12 on 20/06/2017 - 18:04

    +3

    Because the number of enquiries impacts your score ( even if by a small amount ).

    Also, you can only make a few enquiries a year before you start to look risky ( even if you are not risky, and are only opening accounts for bonuses ). You want to use your enquiries to maximise the value of bonuses. You don't want to "waste" enquiries.

    • 

      tomclancy on 20/06/2017 - 21:37

      you can only make a few enquiries a year before you start to look risky

      Year??? Lol. Plenty of us on here making one or more applications per month without problems

      • 

        tajid on 21/06/2017 - 10:37

        +1

        Liking your style mate.

        Yup I have been applying every month since Jan and no prob.

      • 

        tomclancy on 21/06/2017 - 11:43

        @tajid: Can't wait until 1/7 when I hit up another 3 applications!

      • 

        tajid on 21/06/2017 - 11:50

        @tomclancy: wah wah wah. What cards if you don't mind me asking? Feel free to reply via pm. Why the 1/7 date?

      • 

        tomclancy on 21/06/2017 - 12:48

        @tajid: will send via PM :)