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The speaker discusses requesting a credit limit increase every 91 days, noting that many find this approach unusual. They express confidence in making these requests, often receiving positive responses. The speaker emphasizes that they only ask companies that do not require a hard inquiry for the credit limit increase. Specifically, they mention that American Express, Capital One, and Apple do not require a hard pull, while Chase does. They advise viewers to check whether their own banks require a hard inquiry before making such requests, reiterating the 91-day guideline.