I got an email from Citi offering me a credit limit increase on my 4 year old card:
Subject: Good News About Your Citi Card - Please Open Immediately
It's our job to make sure your Citi card is the right card for all of your plans. **So we are pleased to inform you that you could be eligible for a credit limit increase.** ... You'll receive an immediate decision via our site or a live customer service agent.
Will accepting an offer like this have a negative impact on my credit score, such as a hard pull, or on my ability to obtain credit in the future? To put it another way, are there any reasons I shouldn't accept it?
Edit: I went ahead and accepted it, and the form assured me, "We did not pull a credit bureau report during the evaluation process." If a hard pull does end up showing up I'll be sure to say so.