Reply
Established Member
pgyagnzia
Posts: 34
Registered: ‎10-10-2011
0

How do I get CLI on Discover with soft pull?

I'm still on my initial CL which is $500. I've had the card for over 2 years, always pay on time, 98% of the time PIF.
I tried 4 times to get CLI, spoke to their CLI department twice, sent them message,etc. They won't do without a hard pull.
I just got approved for Amex for $9,900, so I'm ready to close the Discover account because of the low CL, but I'm going on vacation and would like to use Discover because there's no FTF.
So my question is do they always do HP for every CLI? Anyone got it with only SP? How do you do it?
Thank you everyone!
I've learned A LOT from reading this forum, thanks for your inputs and for sharing your experiences.

Starting Score: 703
Current Score: 792
Goal Score: 800


Take the myFICO Fitness Challenge
New Contributor
Richierichdollar
Posts: 116
Registered: ‎03-10-2013
0

Re: How do I get CLI on Discover with soft pull?

[ Edited ]

I wonder on this also. My limit is more than that but I would like to know if they do sp or hp. To the poster if they do a hard pull it will be worth it if you credit and such are in order cause I think they will match you highest card or better. Being that you got that out the gate with that company I am pretty sure you will do good with a hp. It will pay on you trip a cross seas

Established Member
pgyagnzia
Posts: 34
Registered: ‎10-10-2011
0

Re: How do I get CLI on Discover with soft pull?

I'm confident that they would do CLI with a HP. They don't even have to match my Amex (my highest CL). I'd be happy with $3000. The thing is I don't want HP. I just had 1 INQ for the Amex last month. I don't know how this is gonna affect my score. Among all my cards, Discover is the only one with no FTF so i really wanna use it when I travel overseas. Last year, I used my BofA and got $70 FTF. I don't wanna do that again.

Starting Score: 703
Current Score: 792
Goal Score: 800


Take the myFICO Fitness Challenge
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: How do I get CLI on Discover with soft pull?

I think if you want an increase you're gonna have to go for an HP.  If you only have one other inquiry its not a big deal....did I read that right that you have only one?  Anyway the slight ding of an HP begins to wither away after a few months and I think gone by 6 months.  But since you've had the card for 2 years and no CLI I seriously doubt you could get away without it.  

 

Have you tried to request an increase online?  It will let you know if it will be an HP because it will ask you after you put your info in if you want to proceed.  And if you go through with it and don't get what you want you can still recon.  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Member
pgyagnzia
Posts: 34
Registered: ‎10-10-2011
0

Re: How do I get CLI on Discover with soft pull?

Yes, only 1 INQ within the last 1.5 years, which is last month for Amex. I tried online, they have the option if I'd be willing to do HP i picked no. They replied saying that according to Credit Act 2009 (or something like that, i forgot) they have to do HP.

Starting Score: 703
Current Score: 792
Goal Score: 800


Take the myFICO Fitness Challenge
Established Member
pgyagnzia
Posts: 34
Registered: ‎10-10-2011
0

Re: How do I get CLI on Discover with soft pull?

Also I'm planning to rent my own apartment in the fall (around Sept or Oct). I don't want too many INQs. I need some advice please

Starting Score: 703
Current Score: 792
Goal Score: 800


Take the myFICO Fitness Challenge
Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
0

Re: How do I get CLI on Discover with soft pull?

I think you are being overly sensitive to INQs.  In the grand scheme of things, having 2 or 3 in the span of a year is really nothing to worry about.  And it's possible they won't all be on the same report, but even if they are, it's really not something to be concerned about.  Plus, you have a great reason for wanting the CLI and a HP is well worth the cost of saving the FTFs.

 

Good luck and let us know the outcome if you go for it (I would do it in a heartbeat!).

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: How do I get CLI on Discover with soft pull?


CribDuchess wrote:

I think you are being overly sensitive to INQs.  In the grand scheme of things, having 2 or 3 in the span of a year is really nothing to worry about.  And it's possible they won't all be on the same report, but even if they are, it's really not something to be concerned about.  Plus, you have a great reason for wanting the CLI and a HP is well worth the cost of saving the FTFs.

 

Good luck and let us know the outcome if you go for it (I would do it in a heartbeat!).


+1

 

Yes I agree that OP is looking at HP's as the kiss of death but its really not.  A lot of us complain about them because we are seeking new credit (i.e. rebuilding, building or just a dream card) so we don't want them on our reports.  That's because creditors sometimes use that as a denial reason.  But in the OP's case there is nothing to worry about.  Heck I have at least 9 inquiries on each CRA and it hasn't stopped me from getting anything.  There was one poster on here who had some insane amount like 50 inquiries.  So OP, just go for the CLI and take the HP.  It won't harm you at all especially with only having one inquiry....wish I could say that :smileyhappy:.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Frequent Contributor
b_seeker
Posts: 390
Registered: ‎03-24-2013
0

Re: How do I get CLI on Discover with soft pull?

[ Edited ]

You are being a bit too inq sensitive.  With only 2 recent inqs, you shouldn't have to worry about anything. Most people here have far more.

 

Edit: Depending on where you are going, I've heard Discover is not that widely accepted outside the US. Keep that in mind. Also, be sure to call your CCC's before using the cards internationally.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Established Member
pgyagnzia
Posts: 34
Registered: ‎10-10-2011
0

Re: How do I get CLI on Discover with soft pull?

Ok good peeps of fico, so I finally pulled the trigger and called them.

 

I talked to person 1 and asked for CLI to $5000, got approved for $2000, of course with HP, then I counter counter-offered (haha) her for $3000 and mentioned that I got approved for $9,900 last month by AMEX. She then transfered me to Person 2 who asked me questions about my employment status, the company I work for, my college, etc. GOT APPROVED FOR $5000!!!!!!! YYAAAAAAYYYYYY!

 

I immediately logged in and saw my CL $5000. And while browsing their website, I saw 2% cashback bonus for purchases made in the Carribean, which is where I'm going next week, called them again (the only way) and signed up. In a minute I got a confirmation email where they also place a security feature for uninterrupted use of the card while I'm there.

 

What a good day. I'm loving Discover.

 

Thanks all!


Starting Score: 703
Current Score: 792
Goal Score: 800


Take the myFICO Fitness Challenge

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}