Natwest Credit Card Increase Limit credit check?

85 Posts


in Credit cards
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
Their website isn't clear on this
0
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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.
There is no point in them credit-checking you when they can already see your file.
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.