Natwest Credit Card Increase Limit credit check? 22 December 2022 at 10:55AM in Credit cards 6 replies 650 views

theonenonly

I currently have the Natwest 22 month 0% card, and was wondering if application on increasing the credit limit means a hard check will be run on my file?

Their website isn't clear on this

SaverRate

When I do the credit limit increase with Natwest I just dont tick the credit check box, never been an issue before 

MEM62

Even if they do, one check isn't going to have any detrimental effect.  

Dandytf

I think it's soft search 1st, then warning of full check before confirming full application, nearer end of applying.

Alex9384

I'm surprised no one on the whole forum can answer questions like this?
Isn't there anyone with a NatWest CC who increased their limit recently and is reading this?

From my experience with several banks, the only one that runs a hard searches for CC limit increase is HSBC.
But I've never had a CC with NatWest, so I'm not sure.

The only limit I've increased with NatWest was my overdraft, and yes, they did a hard search for that. Again, none of my other banks does a hard search for overdraft increases, only NatWest did and I think HSBC would do it too. Based on this, I would assume NatWest will do a hard check for CC limit increase too, if they do it for overdraft increase. They both have similarly archaic systems.

Farfetch1

Alex9384 said:

I'm surprised no one on the whole forum can answer questions like this?
Isn't there anyone with a NatWest CC who increased their limit recently and is reading this?

From my experience with several banks, the only one that runs a hard searches for CC limit increase is HSBC.
But I've never had a CC with NatWest, so I'm not sure.

The only limit I've increased with NatWest was my overdraft, and yes, they did a hard search for that. Again, none of my other banks does a hard search for overdraft increases, only NatWest did and I think HSBC would do it too. Based on this, I would assume NatWest will do a hard check for CC limit increase too, if they do it for overdraft increase. They both have similarly archaic systems.

They won't do hard searches because they already have access to your credit file.

There is no point in them credit-checking you when they can already see your file.

adamp87

Farfetch1 said:

Alex9384 said:

I'm surprised no one on the whole forum can answer questions like this?
Isn't there anyone with a NatWest CC who increased their limit recently and is reading this?

From my experience with several banks, the only one that runs a hard searches for CC limit increase is HSBC.
But I've never had a CC with NatWest, so I'm not sure.

The only limit I've increased with NatWest was my overdraft, and yes, they did a hard search for that. Again, none of my other banks does a hard search for overdraft increases, only NatWest did and I think HSBC would do it too. Based on this, I would assume NatWest will do a hard check for CC limit increase too, if they do it for overdraft increase. They both have similarly archaic systems.

They won't do hard searches because they already have access to your credit file.

There is no point in them credit-checking you when they can already see your file.

 

Surely if that was the case mind, no lender (of which you are a customer for say a current account) would ever conduct a hard search again on your file when you apply for a product?

Because some disaster could have hit someone’s file in the time between?

I thought when a company pulls a hard search they get that data at that time, and could pull soft searches afterwards but to get the full details would need another hard search?

I’m digressing from OP’s point here but just curious to be honest.