topic Re: Discover More CLI's in Credit Cards

Discover More CLI's

TeeandDee — Fri, 17 Aug 2012 14:23:32 GMT

My 6th statement will cut soon for my Discover More....any thoughts on whether or not I can even hope for an auto CLI? New to Discover and not sure how they are with CLI's. I've used the card each month...very often, always have paid it OFF or a huge bulk of it. No baddies, utl is pretty good on other accounts.

If I do not get an auto, I will just wait because I can't afford any new inquiries until Feb. 2013.

Re: Discover More CLI's

flowfaster — Fri, 17 Aug 2012 14:42:58 GMT

Discover is soft pull CLI using the automayed system. Just call the number on the back of your card and follow the automated system. You will most likely get a $500 CLI for your first one. Then try again in 1 year. You dont have to wait for your 6th statment to cut. Try it after your account has been OPEN 6 months.

Re: Discover More CLI's

CreditGrasshoppa — Fri, 17 Aug 2012 18:55:51 GMT

I just received an auto cli on my 6th statement, from $1,000 to $1,350. Not huge but I'll take it!

Re: Discover More CLI's

TeeandDee — Fri, 17 Aug 2012 19:06:28 GMT

flowfaster wrote:
Discover is soft pull CLI using the automayed system. Just call the number on the back of your card and follow the automated system. You will most likely get a $500 CLI for your first one. Then try again in 1 year. You dont have to wait for your 6th statment to cut. Try it after your account has been OPEN 6 months.

Thanks for that information! My account will have been opened 6 months on the 26th. So If I do not get an auto, I'll call in like you said.

Re: Discover More CLI's

TeeandDee — Fri, 17 Aug 2012 19:08:34 GMT

CreditGrasshoppa wrote:
I just received an auto cli on my 6th statement, from $1,000 to $1,350. Not huge but I'll take it!

That's great Congrats!!! It's good to make progress! I'm hoping that will show me love too!:smileyhappy:

Re: Discover More CLI's

stone — Fri, 17 Aug 2012 19:41:11 GMT

why the last time I call them to get cli is a hrad pull....

Re: Discover More CLI's

flowfaster — Fri, 17 Aug 2012 19:44:57 GMT

And don't worry about submitting the CLI request too soon. I requested mine at what I thought was 6 months and got declined. The letter said "not enough time with current CL" so I tried again in a few days later and got it. Then, at the one year mark I requested another CLI and this was approved, went from 2-6K and I never even talked to a human. All soft pulls, I have usaa CCMP. So have at it. I used the "date Opened" date on my Transunion report to determine when my 6 months-1 year was up.

Re: Discover More CLI's

TeeandDee — Fri, 17 Aug 2012 19:45:46 GMT

stone wrote:
why the last time I call them to get cli is a hrad pull....

Was it your first cli?

Re: Discover More CLI's

Covet — Fri, 17 Aug 2012 20:13:40 GMT

My Discover More card just hit 6 months old this month. They did an auto CLI from 7500 to 9500. Er sorry, last month.

Re: Discover More CLI's

flowfaster — Fri, 17 Aug 2012 20:19:33 GMT

stone wrote:
why the last time I call them to get cli is a hrad pull....

Discover only hard pulls if you talk to a CSR if the automated system declines you. Not sure why they did not tell you they needed a hard pull. Discover is usually very good about letting you know if its hard or soft. AFAIK the automated system is always a soft pull!

Re: Discover More CLI's

Covet — Fri, 17 Aug 2012 20:37:43 GMT

Just for fun, I just called Discover and asked for another $500 (to make it an even 10k) and they did it.

Re: Discover More CLI's

flowfaster — Fri, 17 Aug 2012 21:51:22 GMT

Congrats. It is good to know that the auto cli don't upset the cli cycle.

Covet wrote:
Just for fun, I just called Discover and asked for another $500 (to make it an even 10k) and they did it.

Re: Discover More CLI's

bostonte — Fri, 17 Aug 2012 21:57:09 GMT

Originally Approved at $1000.

After 6 statements the automated option was not available on my account. Spoke to a CSR and without me asking she was very explicit about the difference between a soft and hard pull and explained she would put the request in and it would only be a soft pull. I would get approved, declined, or the system would tell her a hard was required to continue and she would ask for my permission before doing that.

She said they would counter offer, so I asked for a $3,000 total line. Declined with just the soft, no request for hard.

A few weeks later I got a call from Discover that they were following up on recent requests that were denied and trying to see what they could do. She verified my information, ensured me it was only a soft pull (again without me prompting) and said the system would tell her I could get none or up to $3,000.

Approved for the $3,000 I originally requested. No hard pull.

Re: Discover More CLI's

TeeandDee — Fri, 17 Aug 2012 22:57:46 GMT

Covet wrote:
Just for fun, I just called Discover and asked for another $500 (to make it an even 10k) and they did it.

Wow! Congrats!!:smileyvery-happy:

Re: Discover More CLI's

TeeandDee — Fri, 17 Aug 2012 22:59:44 GMT

bostonte wrote:
Originally Approved at $1000.

After 6 statements the automated option was not available on my account. Spoke to a CSR and without me asking she was very explicit about the difference between a soft and hard pull and explained she would put the request in and it would only be a soft pull. I would get approved, declined, or the system would tell her a hard was required to continue and she would ask for my permission before doing that.

She said they would counter offer, so I asked for a $3,000 total line. Declined with just the soft, no request for hard.

A few weeks later I got a call from Discover that they were following up on recent requests that were denied and trying to see what they could do. She verified my information, ensured me it was only a soft pull (again without me prompting) and said the system would tell her I could get none or up to $3,000.

Approved for the $3,000 I originally requested. No hard pull.

That's great! Congrats on the CLI!!!:smileyhappy: And thanks for sharing your experience! Very helpful information from all of you!

Question....for you, and anyone else who received a CLI from Discover. Did you have a balance at the time of the CLI? Or was your account at zero?

Re: Discover More CLI's

LS2982 — Fri, 17 Aug 2012 23:10:26 GMT

bostonte wrote:
Originally Approved at $1000.

After 6 statements the automated option was not available on my account. Spoke to a CSR and without me asking she was very explicit about the difference between a soft and hard pull and explained she would put the request in and it would only be a soft pull. I would get approved, declined, or the system would tell her a hard was required to continue and she would ask for my permission before doing that.

She said they would counter offer, so I asked for a $3,000 total line. Declined with just the soft, no request for hard.

A few weeks later I got a call from Discover that they were following up on recent requests that were denied and trying to see what they could do. She verified my information, ensured me it was only a soft pull (again without me prompting) and said the system would tell her I could get none or up to $3,000.

Approved for the $3,000 I originally requested. No hard pull.

Very awesome CONGRATS!!!!

Re: Discover More CLI's

spengbab — Sat, 18 Aug 2012 00:01:16 GMT

At my 3 month mark Discover bumped my limit from $2000 to $2500. I was paying them like $450 a month lol. So they must have figured I could handle a little higher limit :P

Re: Discover More CLI's

TeeandDee — Sat, 18 Aug 2012 00:29:24 GMT

spengbab wrote:
At my 3 month mark Discover bumped my limit from $2000 to $2500. I was paying them like $450 a month lol. So they must have figured I could handle a little higher limit :P

I've been paying them chunks like that as well so hopefully that will count for me too! :smileyhappy: I love this card and use it often.

Re: Discover More CLI's

OptimasPrime — Sat, 18 Aug 2012 01:48:17 GMT

I received a $750 auto cli from discover a few months ago. The funny thing is that the increased credit line became available the next day after I apped for the Chase Freedom. Coincidence? I think not. Obviously ymmv, but it seems discover is watching.:mansurprised:

Re: Discover More CLI's

CruzImperial — Sat, 18 Aug 2012 11:26:42 GMT

Discover hates me and I hate them, so no hard feeling at all. Acc has been opened since March 2011, no lates, no over the limit, always trying to PIF, topping the card and paying it down, nothing has worked. I´m stuck at 1k initial CL. Everytime I try to get a CLI, the system wants a HP. Wonder if the student status has something to do with this.