Clarify Discover CLI and HP vs. SP?

[Creditaddict]

Hello - Shocked I am here and writing this post! LOL

Can someone confirm what the CSR told me that through them or online the system will approve, Counter, or ASK if you want to proceed and will reguire a HP?

Do you really get to cancel request before HP is done if the case?

[bostonte]

In my experience, yes. Approved, denied, counter, or ask for hard pull to continue consideration.

[YahComb]

I just had my discover CLI today. If you don't get instant approval or a soft pull counter-offer, then they will request the pull your report, and if you dont agree then they dont do it and you dont get the cli at that time.

[gettnthere]

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@bostonte wrote:
In my experience, yes. Approved, denied, counter, or ask for hard pull to continue consideration.

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Sounds about right to me.

[Creditaddict]

ask for 2x or 3x current?

[jnkp2001]

"Garden Club Member-GC Challenge: App free since 10/31/12 "

Isn't that today?    lol

[YahComb]

that depends on your current limits on your discover and other cards. 1K to 3K not gonna big deal usually, 5K to 15K is another issue.

[gettnthere]

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@jnkp2001 wrote:

"Garden Club Member-GC Challenge: App free since 10/31/12 "

Isn't that today?    lol

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True lol it was about midnight when i app'd for the Citi card so ill prob just change it to 11/1 when tomorrow actually comes haha