Does the M&T Rewards Visa Credit Card do a hard pull for credit limit increases? This question is about the M&T Visa Rewards Credit Card

Yes, the M&T Visa Rewards Credit Card does a hard pull for credit limit increases, but only if you request them. If M&T Bank reviews your account for an automatic credit limit increase, that will only involve a soft pull. When Will the M&T Visa Rewards Credit Card Do a Hard or Soft Pull for a Credit Limit Increase If you contact M&T Bank to request a credit limit increase: Hard Pull If M&T Bank reviews your account for an automatic credit limit increase: Soft Pull If you decline an M&T Bank credit limit increase offer and request a higher amount: Hard Pull It’s important to determine when you are subject to a hard pull, as this type of credit inquiry could lead to a slight, short-term dip in your credit score. Soft pulls, on the other hand, do not affect your credit score.

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Does the M&T Rewards Visa Credit Card do a hard pull for credit limit increases?

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This question is about the M&T Visa Rewards Credit Card

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John Miller, Credit Cards Moderator

@john_miller • 05/27/22 This answer was first published on 05/27/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the M&T Visa Rewards Credit Card does a hard pull for credit limit increases, but only if you request them. If M&T Bank reviews your account for an automatic credit limit increase, that will only involve a soft pull.

When Will the M&T Visa Rewards Credit Card Do a Hard or Soft Pull for a Credit Limit Increase

If you contact M&T Bank to request a credit limit increase: Hard Pull
If M&T Bank reviews your account for an automatic credit limit increase: Soft Pull
If you decline an M&T Bank credit limit increase offer and request a higher amount: Hard Pull

It’s important to determine when you are subject to a hard pull, as this type of credit inquiry could lead to a slight, short-term dip in your credit score. Soft pulls, on the other hand, do not affect your credit score.

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