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Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

Clarify Discover CLI and HP vs. SP?

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?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Frequent Contributor
bostonte
Posts: 263
Registered: ‎10-04-2009
0

Re: Clarify Discover CLI and HP vs. SP?

In my experience, yes. Approved, denied, counter, or ask for hard pull to continue consideration.
Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: Clarify Discover CLI and HP vs. SP?

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.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Clarify Discover CLI and HP vs. SP?


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

Sounds about right to me.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

Re: Clarify Discover CLI and HP vs. SP?

ask for 2x or 3x current?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Regular Contributor
jnkp2001
Posts: 135
Registered: ‎01-04-2012
0

Re: Clarify Discover CLI and HP vs. SP?

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

 

Isn't that today?    lol

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: Clarify Discover CLI and HP vs. SP?

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.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Clarify Discover CLI and HP vs. SP?


jnkp2001 wrote:

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

 

Isn't that today?    lol


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



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:

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