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hello and its motion space again and to answer a question whether the credit limit increase is a softball or a hard pool now my answer is it can be both ways and it depends upon your account and your status with Navy Federal but we have members who did not incur a hard poll at all for a credit limit increase and I will show that example here and in some cases some people did get a hard pull so when you do a credit limit increase just be prepared to either get a softball or a hard pool