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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Discover CLI w/o HP?

Is it even possible with Discover to get a CLI with a soft pull only? I finally got the link on my page to request a CLI on my Discover account. It said it would be a HP and I canceled the application. I don't want to waste a HP. I know my credit is better than it has been in the past but I'm trying to stir clear of inquires on already established accounts. Suggestions?

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)






Regular Contributor
Posts: 249
Registered: ‎02-16-2013
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Re: Discover CLI w/o HP?

It's possible.  You can call Discover or use the online chat feature to get a rep.  Tell them you only want a SP CLI.  They will try and if they can't do it, they will tell you a HP is necessary and ask if you still wish to continue.

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Community Leader
Senior Contributor
Posts: 27,604
Registered: ‎02-07-2013
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Re: Discover CLI w/o HP?

[ Edited ]

maiden_girl wrote:

Is it even possible with Discover to get a CLI with a soft pull only? I finally got the link on my page to request a CLI on my Discover account. It said it would be a HP and I canceled the application. I don't want to waste a HP. I know my credit is better than it has been in the past but I'm trying to stir clear of inquires on already established accounts. Suggestions?


It will be a SP unless they ask to do an HP at which time they will notify you

 

EDIT if you put in a smaller amount may not result in asking for HP

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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover CLI w/o HP?

I will try requesting a smaller account. I thought Discoer counter offered so I didn't want to low ball myself. 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)






Community Leader
Senior Contributor
Posts: 27,604
Registered: ‎02-07-2013
0

Re: Discover CLI w/o HP?


maiden_girl wrote:

I will try requesting a smaller account. I thought Discoer counter offered so I didn't want to low ball myself. Lol.


On the phone I know they counter not sure about the luv button

+ Chase ink =




Valued Contributor
Posts: 1,419
Registered: ‎01-14-2009
0

Re: Discover CLI w/o HP?

Discover does counter offer. Unfortunately, it looks like there's no SP CLI for you at the moment. Try calling, you might get lucky.
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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover CLI w/o HP?

I'll try waiting and see if they offer me an auto increase...I've sockdrawered this card at the moment anyway. I reach the limit too quickly and since it's the IT card...I can't make multiple payments and keep using it...I have to wait til they process the payment..bah.

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)






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