Discover HP CLI

[alkaline]

I have not gotten any CLIs from Discover since I opened the card over a year and a half ago then did a HP CLI about two months after. Each time they want to do a HP now. I've been looking at the TU report I pulled back in July. Of the three inquiries I have on TU, two are from Discover (one from opening the account, other from the HP CLI I requested two months in - the third one is from my apartment's management company). The only soft pulls I have on TU are from Discover, my auto insurance company, and from free monitoring services. I looked at the credit pulls database and the only big creditors that routinely pull TU in my state are Barclays and Capital One. I don't plan on opening any cards with them. Do you guys think it would be fine for me to go ahead and let Discover do a hard pull since they're the only creditor that looks at TU?

[CH-7-Mission-Accomplished]

I thought Discover only pulls EQ?  I have three of their pulls with three denials.  Do they switch and use TU for credit limit increases or does this depend on where in the country you are?

[alkaline]

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@CH-7-Mission-Accomplished wrote:

I thought Discover only pulls EQ?  I have three of their pulls with three denials.  Do they switch and use TU for credit limit increases or does this depend on where in the country you are?

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I think it depends on where you live, both hard pulls from them have been TU for me.

[Anonymous]

You can find statistic on which bureau(s) creditors pull on the web. It is based on your location. Google credit pulls database.

[Anonymous]

discover always pulls TU for CLI and shy of the three bureaus for applications

[Anonymous]

any* not shy. sorry

[Anonymous]

and OP to answer your question i would do the HP sine it seems not many of your lenders pull from that. only do it if you need the CLI though.

[score_building]

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@alkaline wrote:

I have not gotten any CLIs from Discover since I opened the card over a year and a half ago then did a HP CLI about two months after. Each time they want to do a HP now. I've been looking at the TU report I pulled back in July. Of the three inquiries I have on TU, two are from Discover (one from opening the account, other from the HP CLI I requested two months in - the third one is from my apartment's management company). The only soft pulls I have on TU are from Discover, my auto insurance company, and from free monitoring services. I looked at the credit pulls database and the only big creditors that routinely pull TU in my state are Barclays and Capital One. I don't plan on opening any cards with them. Do you guys think it would be fine for me to go ahead and let Discover do a hard pull since they're the only creditor that looks at TU?

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It depends how you feel about it, worse case it's another denial and wasted HP. In recent months, they're more amenable to SP CLI, so I'd have all 3 frozen upon request and let them lick it, as in-no thanks on a 3rd HP at the moment.

[newhis]

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@alkaline wrote:

I have not gotten any CLIs from Discover since I opened the card over a year and a half ago then did a HP CLI about two months after. Each time they want to do a HP now. I've been looking at the TU report I pulled back in July. Of the three inquiries I have on TU, two are from Discover (one from opening the account, other from the HP CLI I requested two months in - the third one is from my apartment's management company). The only soft pulls I have on TU are from Discover, my auto insurance company, and from free monitoring services. I looked at the credit pulls database and the only big creditors that routinely pull TU in my state are Barclays and Capital One. I don't plan on opening any cards with them. Do you guys think it would be fine for me to go ahead and let Discover do a hard pull since they're the only creditor that looks at TU?

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I feel your pain, both my DW and I have the same problem, always ask for HP. I don't know what to do. Now Discover is our lowest limit card. At least they gave us auto-CLI 4 months ago. I'm trying for CLI at least twice a month. I PIF mine, DW started using the 0% promo, let's see if that makes any difference.

I hope you can get a good CLI if you decide to use the HP. Good luck.

[TiggerDat]

I took a HP once from them for a CLI and even had to speak with an analyst after I was denied to get a recon.  I had the card for about a year or so at that time.  When I spoke with the analyst she approved me for an increase of $4000 and basically told me I left something on the table, but that she could only give me what I asked for.  Ever since then it has always been an offer to do so with a HP, so I decline, except the last time I asked.  The last time I asked about a month or two ago and they gave another $1500 with a SP.