<prompt> Human: As of my last increase request, Ive got about an 75k-80k limit across 3 cards. My utilization is at about 3 each month.Assistant: Do requests to increase your credit limit on a card count as an inquiry to your credit? Similar to applying for a loan or new credit card? Or do they have no negative impact. Human: Depends on the creditor. Amex used to auto increase my limit without a check. Both BarClay and USAA hit me with a hard pull.  <response>: Okay i have usaa as well. Thanks for the heads up! 