Discover CLI

[Anonymous]

Just called Discover to request an increase.  I was told by a CSR that they are now only doing increases in $2k increments.  I didn't proceed w/ the request because it required a hard pull.  I said to the CSR, you don't do softs anymore and he replied that they did do a soft pull on my file and an alert was generated that they needed additional information a.k.a a hard pull.  I said no thanks, I'll wait for my auto cli, he kinda chuckled, don't know how to interpret that!

[score_building]

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@Anonymous wrote:

Just called Discover to request an increase.  I was told by a CSR that they are now only doing increases in $2k increments.  I didn't proceed w/ the request because it required a hard pull.  I said to the CSR, you don't do softs anymore and he replied that they did do a soft pull on my file and an alert was generated that they needed additional information a.k.a a hard pull.  I said no thanks, I'll wait for my auto cli, he kinda chuckled, don't know how to interpret that!

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+1

[Anonymous]

Speaking of wating for Discover's auto CLI, any one getting them after feb. 22?

[Anonymous]

I did receive an auto CLI this month.

[score_building]

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@Anonymous wrote:

I did receive an auto CLI this month.

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Nice, congrats!

[Anonymous]

 I was told you reciever one auto CLI every 3 months for the first year, but I havent gotten one yet, I believe I will be going into 4 month here soon.... Oh well...

[tianapb725]

I've had discover for about 2 1/2 years and just received my first credit line increase last month and it was certainly not $2K lol.  It was at $3100 and is now $3800.  I utilize only $500 of the credit and pay off my balance (or within 2 months).

[MrShush]

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@Anonymous wrote:

I did receive an auto CLI this month.

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So did I.

[gymbo731]

Last year I had very high Credit Util on all my credit cards. Now, I have paid off discover competely, and some other cards. I still have a couple more cards that are very high util however. I called discover a couple months ago and tried to phone in the CLI. I had the option, but I needed to talk to a CSR , and they said they needed a hard pull.

So should I wait until all my credit cards are down below 10% util, or what? I would really like to increase my available credit. Do you think since they lowered my CL automatically, they will bump it back up again automatically?

[score_building]

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@gymbo731 wrote:

Last year I had very high Credit Util on all my credit cards. Now, I have paid off discover competely, and some other cards. I still have a couple more cards that are very high util however. I called discover a couple months ago and tried to phone in the CLI. I had the option, but I needed to talk to a CSR , and they said they needed a hard pull.

So should I wait until all my credit cards are down below 10% util, or what? I would really like to increase my available credit. Do you think since they lowered my CL automatically, they will bump it back up again automatically?

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Congrats on the pay down...unfortunately Discover is likely to balk at high uti., I wouldn't bother until balances are lower, if you take your chances definitely not worth a HP imho.