Discover CLI - always a HP?

[lg8302ch]

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@Settemio wrote:

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@revvystoke wrote:

Just give them a call, ask for a CLI and ask them to tell you if you qualify for a CLI or if they will have to pull your credit. They have always told me when it will be a HP.

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I dont need to call them, I already know it is a HP by what the website tells me... and like the other person said, if it was a SP, id see it there as well. I was just posting to see if it is always a HP.

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Good luck....looks that I am not the only one on this mission ...LOL

[Movin_on_up]

I dealt with Discover today.  My line was $4K and 13 months old.  Spent about $1K-2.5K a month on it and always PIF (1 day late once (terrible day)).  I asked to get a CLI to match my Chase Freedom ($12K) and they said they would try first with a SP.  Quickly told me that that could not be done and was asked if I would like to try with a HP.  Said yes and was transferred to another CSR.  After 15 mins was approved for the $12,600!  They pulled TU.  Really, really pleased.  Super customer service as well.

That's a big win for me and it's thanks to a lot of people here for the direction and info.  I love this place.  

[09Lexie]

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@Movin_on_up wrote:

I dealt with Discover today.  My line was $4K and 13 months old.  Spent about $1K-2.5K a month on it and always PIF (1 day late once (terrible day)).  I asked to get a CLI to match my Chase Freedom ($12K) and they said they would try first with a SP.  Quickly told me that that could not be done and asked if I would like to try with a HP.  Said yes and was transferred to another CSR.  After 15 mins was approved for the $12,600!  They pulled TU.  Really, really pleased.  Super customer service as well.

That's a big win for me and it's thanks to a lot of people here for the direction and info.  I love this place.  

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Definitely worth a hp!

[Kenny]

I wonder what the SP amount would have been. I've been SP CLI'd up from 2k to 9k in increments.. totally worth it to me to not do the HP.

[stevenngu92]

I had the same situation as you op. Even a $100 raise required a HP, so i just sockdrawered it for about half a year until this quarter (5% back on online purchase) and charged the heck out of it. went over my previous limit ($1000) a few times and PIFed and they decided to auto-cli me to 3k. fwiw I had the card for almost a year and a half.

[Anonymous]

No. Had several SP CLI's. Always call the rep and explain no HP. If it is required I pass on it.