11-15-2008 09:41 PM - edited 11-15-2008 09:56 PM
When you get transferred to a rep=Full app
That is not a hard and fast rule with Discover. They do soft pull CLIs through reps, too.
This is true. When I called to see if I could get an increase in July, I didn't use the automated number, but opted to speak with someone to kinda get a feel with what I could get and if I could get an increase at that time. The CSR asked me what I would like my CL to be and I said 3k, and he said that was perfect and approved me for that with a review of my account only. The limit was 1.7k when I started with it.
Personally, on the most recent increase, I didn't want to risk a CSR since I got the line bumped 4 months ago but was testing the automated line for CLI and it happened to work for me.
This is why sharing information here can be so useful.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO