topic Re: Discover called with a CLI in Credit Cards

Discover called with a CLI

crunching_numbers — Thu, 18 Oct 2012 00:10:13 GMT

After turning me down for a CLI last month, Discover called today and took my information. Using a soft pull they gave me a CLI from $6500 to $8000. Yipee!

I had read about this happening to other people, but now it was me. I feel much better. I was kind of disappointed they turned me down in the first place.

I am doing a refi on the house, so I asked twice: I am only interested if it will be a soft pull. I do not want a hard pull because of the refinance. Will this be a soft pull? Are you sure? LOL.

Re: Discover called with a CLI

Scuba — Thu, 18 Oct 2012 00:12:26 GMT

Very similar to what happened to me.

It is nice when it happens.

I wonder why they turned you down the fist time only weeks later to ok it.

Strange

Re: Discover called with a CLI

youngandcreditwrthy — Thu, 18 Oct 2012 00:14:09 GMT

I was told if a cli gets denied, they fwd it to the manual review department...maybe that is why?

Re: Discover called with a CLI

LTomBerry — Thu, 18 Oct 2012 06:03:47 GMT

crunching_numbers wrote:
After turning me down for a CLI last month, Discover called today and took my information. Using a soft pull they gave me a CLI from $6500 to $8000. Yipee!

I had read about this happening to other people, but now it was me. I feel much better. I was kind of disappointed they turned me down in the first place.
I am doing a refi on the house, so I asked twice: I am only interested if it will be a soft pull. I do not want a hard pull because of the refinance. Will this be a soft pull? Are you sure? LOL.

Have you logged on to see if it went through?

I assume you took the proper precautions when they called you.

I would not give personal info to someone that called me, I would tell them I'll call the # on the back of the card, and what extension can I reach them at? Someone could easily get CL info if they got a hold of a credit report, and go phishing for the rest of the missing info.

Anyways congrats on the CLI, they have hooked me up with soft pull CLIs every 6 months a few times now.

Re: Discover called with a CLI

crunching_numbers — Thu, 18 Oct 2012 07:06:03 GMT

LTomBerry wrote:
crunching_numbers wrote:
After turning me down for a CLI last month, Discover called today and took my information. Using a soft pull they gave me a CLI from $6500 to $8000. Yipee!

I had read about this happening to other people, but now it was me. I feel much better. I was kind of disappointed they turned me down in the first place.
I am doing a refi on the house, so I asked twice: I am only interested if it will be a soft pull. I do not want a hard pull because of the refinance. Will this be a soft pull? Are you sure? LOL.
Have you logged on to see if it went through?

I assume you took the proper precautions when they called you.
I would not give personal info to someone that called me, I would tell them I'll call the # on the back of the card, and what extension can I reach them at? Someone could easily get CL info if they got a hold of a credit report, and go phishing for the rest of the missing info.

Anyways congrats on the CLI, they have hooked me up with soft pull CLIs every 6 months a few times now.

Oh, it is there. They actually left a VM on my answering machine.The message was that they needed to speak with me regarding some recent correspondence from Discover and to call back the toll free number. They called two days in a row, and I thought maybe it was someting bad, so called back. I am very leary of giving away information over the phone, and I am glad you are reminding people about the dangers.

Re: Discover called with a CLI

Cadillac-XTS — Thu, 18 Oct 2012 08:49:28 GMT

Congrats

Re: Discover called with a CLI

FrugalRican — Thu, 18 Oct 2012 10:41:53 GMT

Luck smiles upon you.

I wish they'd call me! Did you refer them to me!?

Congrats!