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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Discover CLI?

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‎04-02-2012 03:51 PM

:smileyvery-happy: DO NOT TOUCH!!!! That's me for 6 months. Im staying clear for the year. I'm on Barclays watch list probation. lol

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Mega Contributor
LS2982
Posts: 14,494
Registered: ‎04-09-2011

Re: Discover CLI?

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‎04-02-2012 03:53 PM

Brian_Trying_700 wrote:

:smileyvery-happy: DO NOT TOUCH!!!! That's me for 6 months. Im staying clear for the year. I'm on Barclays watch list probation. lol

Believe me, If they don't do AA on me, your in the clear  :smileyvery-happy:



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
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Community Leader<br> Valued Contributor</br>
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Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: Discover CLI?

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‎04-02-2012 05:06 PM

The Discover luv button will try for an increase with a soft. It will tell you if they need additional information, you must agree to a hard pull.
Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board

Take the FICO Fitness Challenge

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Mega Contributor
LS2982
Posts: 14,494
Registered: ‎04-09-2011

Re: Discover CLI?

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‎04-02-2012 05:08 PM

-Cain- wrote:
The Discover luv button will try for an increase with a soft. It will tell you if they need additional information, you must agree to a hard pull.

Does it go away after you hit it? How long afterwards if you get denied?



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
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Valued Contributor
mxp114
Posts: 1,067
Registered: ‎09-01-2011

Re: Discover CLI?

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‎04-02-2012 05:14 PM

I was told that all CLI's at $10k+ are always HP. There's no way around it. If anyone here has success, please post so I can call back.

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Established Contributor
searchingfor67
Posts: 615
Registered: ‎08-02-2011

Re: Discover CLI?

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‎04-02-2012 05:16 PM

Tried clicking the luv button last week, but got the "cannot process at this time, please call 800 discover"...However, I logged in the next day and noticed that they had give me an auto cli of $300...second auto cli in 6 months, both were $300 each...I have the card 6 months.

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $17K | Amex Costco TE $10.4K | Amex SPG $6.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi Dividend World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
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Community Leader<br> Valued Contributor</br>
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-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: Discover CLI?

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‎04-02-2012 07:30 PM

The luv button has not disappeared since I've hit it. It did disappear a few months ago, but I remember it disappeared for a lot of people here on this forum.
Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board

Take the FICO Fitness Challenge

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New Contributor
h4ldol
Posts: 144
Registered: ‎03-17-2012

Re: Discover CLI?

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‎04-02-2012 08:04 PM

mxp114 wrote:

I was told that all CLI's at $10k+ are always HP. There's no way around it. If anyone here has success, please post so I can call back.

Went from $12,600 to $20,000 with a HP and income verification (they called my work HR).  As long as you don't have any issues I would call and go for the CLI.

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Established Contributor
dharalex
Posts: 606
Registered: ‎09-08-2011

Re: Discover CLI?

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‎04-02-2012 09:01 PM

I recently got a cli of $2000 with only a soft pull. I've never had the luv button, and my acct was opened in 2006. I always have to do a search. It usually says "can't process at this time." This time, I asked for $2000, and it immediately said, "congratulations!" it also said if I wanted more, it would be a HP. I declined and took my $2K happily!

Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760

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Current Score: 800
Goal Score: 850

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Frequent Contributor
xlr8d
Posts: 300
Registered: ‎01-12-2011

Re: Discover CLI?

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‎04-03-2012 07:49 AM

I called in yesterday and asked for a CLI. She asked a few questions and then said there was nothing she could do ATM. I sent them a secured msg after cause I'm worried they did a hard pull without asking. Oh well I will post back when I get a reply, maybe I will SD my card for a few months
Starting Score: EQ 515 TU 490 EXfaco 510
Current Score: EQ 660 TU 665 EXplus 661
Goal Score: 700

Take the FICO Fitness Challenge
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