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Established Contributor
Posts: 655
Registered: ‎01-24-2008
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Re: Discover unOfficial Data Points

[ Edited ]

How do u know before u click the CLI button that is going to be  a SP and not a HP?

Valued Contributor
Posts: 1,596
Registered: ‎06-13-2016

Re: Discover unOfficial Data Points


kugel wrote:

How do u know before u click the CLI button that is going to be  a SP and not a HP?


If you click the CLI button, it is a SP unless they tell you it has to be a HP, then you can decline it. They won't do a HP without letting you know first.

Current Scores------ EQ 679; TU 645; EX 679 FICO 08---------------- Gardening until 07/29/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Valued Contributor
Posts: 1,596
Registered: ‎06-13-2016

Re: Discover unOfficial Data Points

Thanks, austinguy907, for doing so much research and trials on Discover. I wish I would have had this when I first got my Discover card, but I'm glad this info is available to those just starting with them now.

 

I am a lucky one that they made wait 4 months before my first CLI, 126 days to be exact. Maybe it's because I asked too many times in the first 90 days. I will find out on the 14th if I am on the 30 day train, or something longer. Smiley Happy

Current Scores------ EQ 679; TU 645; EX 679 FICO 08---------------- Gardening until 07/29/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008
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Re: Discover unOfficial Data Points


jostermacedo wrote:

austinguy907 wrote:

You'll get an auto denial if you hit the button in the first 90 days unless they give you an auto.  The upside is they don't pull and AMEX and make you wait 90 days after a denial.  Just wait it out for the auto or 90 days whichever comes first.


I don't believe this is true for everyone. I got my Discover October 2015 and in December 2015 (around 60 days after opening the account) I requested a CLI (not auto CLI before). They increased my initial credit limit from $1,000 to $4,000. Today my limit is $24,500.

 

Joster


Now that's intreresting since they told me I couldn't until 90 days and then spotted the auto and hit the button right after for an instant CLI.  Unfortunately I can't test the theory of under 90 days like you did since well I'm not looking for 2 cards.  It doesn't surprise me though that it worked as nothing is set in stone with any lender even though they say their policy is XX days.  This helps in building up the repository of info for other users though here in this thread.  Thanks joster!!

If you're going to whine about it, then you need to do something about it!
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http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Valued Contributor
Posts: 2,436
Registered: ‎03-20-2014
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Re: Discover unOfficial Data Points


jostermacedo wrote:

austinguy907 wrote:

You'll get an auto denial if you hit the button in the first 90 days unless they give you an auto.  The upside is they don't pull and AMEX and make you wait 90 days after a denial.  Just wait it out for the auto or 90 days whichever comes first.


I don't believe this is true for everyone. I got my Discover October 2015 and in December 2015 (around 60 days after opening the account) I requested a CLI (not auto CLI before). They increased my initial credit limit from $1,000 to $4,000. Today my limit is $24,500.

 

Joster


Hi, can you share your expending, if your score changed and anything else that you think helped you with your CLI request? That may help austinguy907.

 

 

Established Contributor
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Registered: ‎01-24-2008
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Re: Discover unOfficial Data Points

Just to be sure wen I see this on the bottom of the CLI page is it the HP one ?

After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent.
Valued Contributor
Posts: 3,017
Registered: ‎05-27-2015

Re: Discover unOfficial Data Points

Just received my first $4500 CLI after 2 day message. I didn't get anything last month and received $1500 the month before that. I've been in the $500 bucket for over a year. Most CLI's up until the last 4 months were 90 days apart. Now they're coming 30 to 60 days apart.
FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$483,700
Valued Contributor
Posts: 2,436
Registered: ‎03-20-2014
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Re: Discover unOfficial Data Points

[ Edited ]

kugel wrote:
Just to be sure wen I see this on the bottom of the CLI page is it the HP one ?

After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent.

Yes, if you agree to it and continue they will HP you.

 

EDIT: Sorry, no, that information on the bottom is general. If after you submit your request they say that they need to pull your report and you need to put a check mark giving authorization, then they will proceed to pull your credit.

 

So, if you fill the information they either:

- give you a CLI

- say they need 2 days for your request

- they deny your request

- they will ask if you authorize them to pull your report to see if they can give you the CLI (this is HP)

 

Sorry I misunderstood what you wrote.

Established Contributor
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Registered: ‎01-24-2008
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Re: Discover unOfficial Data Points

[ Edited ]

Ok so i  need to wait for a page that doesn't say we may pull?

 

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Posts: 832
Registered: ‎02-14-2015
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Re: Discover unOfficial Data Points

[ Edited ]

kugel wrote:

Ok so i  need to wait for a page that doesn't say we may pull?

 


If you are on the request credit limit increase page where you enter your information and then submit that does not mean they will do an HP after you fill it out and submit it if they then want to do an HP they will state that and you will have to check the box to authorize the HP. The verbiage at the bottom off the credit limit increase page states "After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent."
FICO 8 Scores Eq 821 Ex 820 TU 841, 153K Available CL, 2% Util

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