Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I requested credit limit after 180 days. I was given a credit limit increase prior to this request on XX/XX/2024. Credit Card company affiliated with XXXX denied my credit limit increase only because there were recent hard inquiries to my account. I disagree that hard inquiries is a bad thing because I was in the process of closing my older credit cards and trying out new promotional credit cards. I closed out previous VISA credit cards upon the promotional period ending and I started to open a new credit card with Master Card per Goldman Sachs Bank USA. Apple as part of Goldman Sachs Bank USA is now wrongfully declining a new credit limit increase only because they wrongfully assumed the hard inquiries were a bad thing but where there is no actual concern for these hard inquiries as if I have bad credit history. 

Any hard inquiries do not showcase as negative understandings as if I have poor credit history. I believe my credit history showcases good credit and that the denial of a credit increase by Goldman Sachs Bank USA should be corrected as to allow a better review of XXXX credit report or other credit agency as to reflect good credit history regardless of any inquiries on the account. Inquiries are likely due to closing promotional credit cards only with a XXXX bank but have nothing to do with the good credit history of the consumer. Goldman Sachs Bank USA would wrongfully decline a credit limit increase as part of a XXXX credit report where the recent inquiries only showcase a closure of old credit cards more so and VISA promotional credit cards could not be reopened as to have to wait XXXX to reopen a new promotional credit card with a XXXX bank. Thus, any hard inquiries were likely due to the closure of promotional credit cards and having to wait to reopen promotional credit cards with the same bank as if XXXX cards belonging to the same bank are synced as if the customer is only allowed XXXX promotional credit card every XXXX years ( which was not defined because XXXX bank assumes you are a new credit card holder upon application of a new credit card, but does not recognize the previous customer history of the older credit card as if to be allowed to switch credit card promotions and end old promotional cards such resulting in hard inquiries as if I am wrongfully assumed as a new credit card customer ). 

I am challenging the denial of the credit limit increase per my active Apple credit card where the hard inquiries are not always indicative of requesting new credit card application ( as if I were an older customer switching out credit cards promotions ) and was more so the closure of old promotional credit cards and not being allowed new promotional credit cards with the same XXXX Bank only due to the XXXX waiting limit on a new promotional credit card per VISA which can result in a hard inquiry as if I am a new customer rather than a previous customer. This does not reflect any negative understandings of credit to the consumer but should be recognized as a XXXX credit card application glitch ( error ) more so as if to say this is a loyalty credit card glitch producing a hard inquiry ( instead of soft inquiry ) as to wrongfully harm the consumer ( previous customer per promotional credit card ) upon switching to a new promotional credit card per application of a new promotion only : " Your XXXX credit report shows you've made multiple recent applications for credit, which have resulted in hard inquiries on your credit file ''

Company response to consumer: Closed with explanation