How Soon To Ask Discover For a CLI

newportguy · ‎01-09-2013

I have a New Discover It Account . I was wondering when to ask for a CLI . Thanks

Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****

nick125 · ‎01-09-2013

It's six months minimum before Discover will even consider a CLI request. I know this because I've had my Discover account for five months, two weeks...

Alliant CU (12/11, $12.5k); Chase Freedom (3/12, $3.3k); Discover IT (7/12, $30.5k); American Express Blue Cash Preferred (10/13; $26k); Capital One Venture (3/15; $24k)

newportguy · ‎01-09-2013

@nick125 wrote:
It's six months minimum before Discover will even consider a CLI request. I know this because I've had my Discover account for five months, two weeks...

will it be a SP or HP?

Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****

CreditWorld2013 · ‎01-09-2013

@newportguy wrote:
@nick125 wrote:
It's six months minimum before Discover will even consider a CLI request. I know this because I've had my Discover account for five months, two weeks...
will it be a SP or HP?

That varies. If Discover needs a Hard Pull they will ask you if they can continue and if not it was a soft pull and account review.

newportguy · ‎01-09-2013

@CC365 wrote:
@newportguy wrote:
@nick125 wrote:
It's six months minimum before Discover will even consider a CLI request. I know this because I've had my Discover account for five months, two weeks...
will it be a SP or HP?
That varies. If Discover needs a Hard Pull they will ask you if they can continue and if not it was a soft pull and account review.

What is the best way to do it Online or Call-In ? I refuse to have any more HP's this year and maybe next year too.

Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****

randeman · ‎01-09-2013

I was told by Discover account managers that it's always a hard pull if the customer initiates it. Soft if they do it.

Experian Score: 689--Amex 27 July 2014; Equifax Score 680--MyFICO--17 September 2014; TransUnion Score 718-Discover 20 August 2014--PUH-RAISE JESUS, I finally broke 700!!! Cards and Credit Lines: Escape by Discover, Chase Freedom Signature Visa, Chase United MileagePlus Explorer Signature Visa, Chase Sapphire Preferred Signature Visa, Barclay's Holland America Visa, Citibank Custom Credit Line, Paypal Custom Connect Credit Line, Bloomingdale's, Macy's Premier Elite, Amazon Store Card, Lord & Taylor, Nordstrom, Discover It, Gold Delta SkyMiles from American Express, PayPal BML.

navigatethis12 · ‎01-09-2013

@randeman wrote:
I was told by Discover account managers that it's always a hard pull if the customer initiates it. Soft if they do it.

Well I initiated it online and was decline. About two weeks later I get a ring from an analyst who says she can do it for me. She said it would be a soft on Transunion and I got it. Just a few days ago I did it with a chat representative and it was another soft pull approval. Some people have said different accounts are coded to always be a hard inquiry.

newportguy · ‎01-09-2013

@navigatethis12 wrote:
@randeman wrote:
I was told by Discover account managers that it's always a hard pull if the customer initiates it. Soft if they do it.
Well I initiated it online and was decline. About two weeks later I get a ring from an analyst who says she can do it for me. She said it would be a soft on Transunion and I got it. Just a few days ago I did it with a chat representative and it was another soft pull approval. Some people have said different accounts are coded to always be a hard inquiry.

Thanks navi. That's great to know

Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****

E150GT · ‎01-09-2013

I would just wait. Discover loves to increase my limit every six months. My limit has more than doubled since I got the card in 2011. I never asked for one and I never got another HP.

CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k

chnceit · ‎01-09-2013

Discover is 6 months and its an auto CLI

If you are not eligible for a CLI and a its initiated from cutstomer then its a HP

If you are eligible for a CLI then the CLI button appears online on your main page.

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening