08-24-2012 10:35 AM
I've got the Luv on Discover (Request Increase) just want to know if it's a soft pull or Hard ?
Current limit is $4500 and when I asked for $4500 last month it wanted to pull CR and I wonder if I ask for less say $2000 will be soft ?
Few months ago got a letter to call in and got $2000 CLI and few months after that the CLI button showed up and it's been maybe two months now still got LUV when I log in.
Is Discover any good trying to match higher credit card limits ?
Account is about 2 years old with ZERO balance now I charge about $4 a month and PIF.
Wife and I were using this card for everything till I found out about Amex BCP and Discover was at 70-100% credit use every month when limit was at $2000.
08-24-2012 11:14 AM
I recently had the LUV button show up in my account too. I was hoping that they would decide how much they wanted to give me for CLI but it asked how much I wanted. So I just chose a $2,000 CLI and it was approved. The website actually said that it was just a soft pull and that a hard pull would be required if I wanted an additional amount. They won't do a HP without warning you first which is nice. Good luck!
08-24-2012 11:55 AM
What was your credit limit ? I'm going to ask for $2000 later on today I think $4500 aka 100% CLI luv button not happy about and wanted HP.
08-24-2012 12:00 PM
I wish I could put how much I wanted, when I press the button it just says
" We're Sorry.
Your credit limit increase request cannot be processed at this time. For assistance, please call 1-800-DISCOVER (1-800-347-2683)."
08-24-2012 05:04 PM - edited 08-25-2012 08:45 AM
Got LUV asked for $2000 and now upto $6500 too bad it's not my card (Wifes) she won't care if it's 16K LOL
Congratulations! You've been approved for a credit line increase of $2,000.
I think 2K CLI is the easy way i'll ask for 2k for next CLI.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.