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DIscover CLI help

Regular Contributor

DIscover CLI help

I was wondering if anyone had any info on this. I went to request a CLI and for the first time , it didnt say call in. My question is , at the top it says :

 

 

Requesting an increase to your credit line is easy. Tell us the amount you would like your credit line to increase by and provide some of your employment and financial information to help us with our decision.  This request may also require us to pull a credit bureau report, which may affect your credit score.  Most decisions are immediate, however it may take up to two business days.

 

and then it says under it :

 

Enter the amount by which you would like to increase your credit line. Your cash line may be increased proportionally. This request will not affect your credit score.

 

Just curious if it means it will be a hp or sp , statements are kind of contradictory and I cant take a hp right now so I cant chance it.

 

Thanks

5 REPLIES
Super Contributor

Re: DIscover CLI help


lionsfan20 wrote:

I was wondering if anyone had any info on this. I went to request a CLI and for the first time , it didnt say call in. My question is , at the top it says :

 

 

Requesting an increase to your credit line is easy. Tell us the amount you would like your credit line to increase by and provide some of your employment and financial information to help us with our decision.  This request may also require us to pull a credit bureau report, which may affect your credit score.  Most decisions are immediate, however it may take up to two business days.

 

and then it says under it :

 

Enter the amount by which you would like to increase your credit line. Your cash line may be increased proportionally. This request will not affect your credit score.

 

Just curious if it means it will be a hp or sp , statements are kind of contradictory and I cant take a hp right now so I cant chance it.

 

Thanks


Your better off calling to speak with an rep so you make sure its SP or HP

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor

Re: DIscover CLI help

i agree


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Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


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Senior Contributor

Re: DIscover CLI help

Typically when Discover accounts are elegible for a (SP) CLI, the above message would not display.  So, it appears it would've resulted in a HP.  When you speak to an advisor, you can express your CLI request and he/she would inform you whether your account is currently elegible via SP.  If not, they will let you know before the HP, at which point you can cancel the request.

Frequent Contributor

Re: DIscover CLI help

It says "this request will NOT affect your credit score" so I'm assuming its a soft. Say u ask for 2k, it'll either accept, deny, or counter. If it counters you it'll give you the option to accept the counter offer or take a hard pull for the 2k.

This is what I've gathered from reading lets of posts on this subject. Not from personal experience.
Highlighted
Established Contributor

Re: DIscover CLI help

I requested one today for the heck of it. It will tell you after you submit the info and press enter.  Comes back with a decision to either accept the amount offered, OR if needing more, that a hard inquiry will be placed into your credit record.  So, the prior would be a sp.

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