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Frequent Contributor
2011beginnings
Posts: 296
Registered: ‎02-01-2013
0

Discover It Luv Button

My Discover It Luv button just appeared. Should I go for it or will it for sure be a hard pull? I received an auto CLI 3 months after the card was open bringing it from $2000 to $2500.

My balance is around $290. I just paid off this statement balance of $398.66.

The only balances I have on my other cards are:

*Discover It - $291.38 / $2500
*CS - $42.06 / $5000
*AMEX BCE - $1072.96 / $6000
*Citi - $207.55 / $4300
BofA BBR - $97.17 / $5000
PenFed AMEX - $0 / $5500
*CSP - $6.19 / $5000
*BofA CR - $0 / $5000
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Established Contributor
n777ua
Posts: 573
Registered: ‎05-29-2011
0

Re: Discover It Luv Button

It will tell you if its going to be a hard pull..

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012
0

Re: Discover It Luv Button

I was about to go for it as well.

 

This is what is says;

 

Requesting an increase to your credit line is easy. Tell us the amount you would like your credit line to increase by and provide some of your employment and financial information to help us with our decision.  This request may also require us to pull a credit bureau report, which may affect your credit score.

 

So, if I put the information in as requested it will tell me for sure if it a HP on the next screen if not auto approved or a counter offer given ?

 

J

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Frequent Contributor
2011beginnings
Posts: 296
Registered: ‎02-01-2013
0

Re: Discover It Luv Button

I tried for an increase of $3000 and it said it needed to pull my credit. Tried for $2000 and same message. Tried again, got the request is already in progress.

Call in to cancel request.

Talked on chat and was told that it probably wants to pull my credit since I received an auto three months after account opening in March of 2013.

Eh.

Strange.
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Established Contributor
n777ua
Posts: 573
Registered: ‎05-29-2011
0

Re: Discover It Luv Button

I've always requested my Discover CLI's through an agent b/c they will specifically tell you after they gather your information if there is going to be a HP or not, I've only tried on the web site a couple of times and get the HP message, but I know others who have been given CLI's wo the HP.

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,

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