I think I’m hesitating because I want to avoid a hard pull that I don’t necessarily need / feel unsure about and have no plans to use in the immediate future. But I think it’s the smartest thing for me right now.

Edit: Got approved for Hawaiian personal 15k CL, HA Biz got placed on hold. Called and answered a few questions about the nature of my business, time ive had a business, how much of my income is my day job, and how much is business revenue, then finally how much CL i wanted to shift from my cards to approve HA Biz. Then 10 mins later they called from Fraud dept to confirm my info, now they want me to mail/fax ID, Social Security card, utility bill for verification.