Reply
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Discover CLI just appeared

I have the button on mine to....when I clicked on it, it said to call 1800 Discover so I don't know if it pulled anything or not....it asked me no questions
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover CLI just appeared


snowkitty wrote:
I have the button on mine to....when I clicked on it, it said to call 1800 Discover so I don't know if it pulled anything or not....it asked me no questions

The link is disabled until your account ages a few months and you make those 3 payments. I get the same message if I click it. There's no credit pull. If you really want an increase, just call and ask if it'll be a HP or a SP, if the rep knows the difference. Lol.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Discover CLI just appeared


maiden_girl wrote:

snowkitty wrote:
I have the button on mine to....when I clicked on it, it said to call 1800 Discover so I don't know if it pulled anything or not....it asked me no questions

The link is disabled until your account ages a few months and you make those 3 payments. I get the same message if I click it. There's no credit pull. If you really want an increase, just call and ask if it'll be a HP or a SP, if the rep knows the difference. Lol.

 


That makes sense....I was wondering why it went straight to that without asking me anything. I really want an increase but I am scared to call and ask.....I guess I will just wait it out.

 

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: Discover CLI just appeared


Bay_Area_Joe wrote:

So, a few weeks ago i called and spoke to discover about an increase.  Gave all the info and was told they needed HP.  I said thank you, but no thank you.

I then got a letter in mail a week after saying I was eligible for 2k, I called in on Sat and spoke to agent for at least 15mins...  He said he could give me 2k with soft pull, I said good, kept speaking with agent about all kinds of personal stuff, he asked if there was anything he could do before we finished the call, I said well, another 1k would be nice, he said ok.

I was in shock....  got 3k increase with SP.

 

I log into account today and for the first time ever, the CLI button is on main page.

 

Do I dare click it ? ?  This button has never ever been on my main log in page.


Congrats nice story

Regular Contributor
Posts: 245
Registered: ‎10-05-2012
0

Re: Discover CLI just appeared

I was at first scared to call too. This was the first time I call CSR to ask for CLI.

What I found, even when I was first approved for the Discover Card is that the agents want to talk about you. 

They want to get a warm and fuzzy feeling that you are real, honest and sincere.

 

I had a nice talk with this guy from everything about the weather to why I wanted the CLI.

 

He had a soft pull on my report and even asked why I had some increase in my account balance with CITI Bank, I simply said just got back from a 10 day vacation.

 

of the 8 CC accounts I have only one is reporting a balance of about 6k.  He even asked me about my job, and the fact I own my company and I am self employed and how that was going...

 

All in all he opened my eyes about being honest and sincere with Discover.

 

He wanted to know why I was using CIT instead of Discovery, I simply said I have more purchasing power because of the higher limit.  And that CIT offered me 18 months 0% on BT and purchases.

 

He even said that we(Discover) can offer you a promotional 0% on purchases too. 

 

I even learned that Discover got rid of Foreign Transaction Fees too.

 

Nice experience, i would have to say.

 

About 250k in Credit Lines
Sapphire Preferred 29.9k, Citi MC Diamond Preferred 13.72k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 20k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 30k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Contributor
Posts: 99
Registered: ‎10-20-2012
0

Re: Discover CLI just appeared

I called them and asked cl increase . They told me I have to wait after 6 months then call in and request for it lol

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.