Credit Cards Center Credit cards from our partners
Reply
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

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

Frequent Contributor
Posts: 304
Registered: ‎05-08-2013
0

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

What a gardening success story! Straight to 5k!
Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

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


pgyagnzia wrote:

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!


CONGRATS WTG 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,441
Registered: ‎01-14-2009
0

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


pgyagnzia wrote:

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!


Congrats!!! I'm glad it all worked out for you. Definitely worth the HP.

 

Maybe LS will read this and do the same!!! Smiley Very Happy

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

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

@kevinjjc

Don't tempt him! He's gardening til next year.
Established Contributor
Posts: 574
Registered: ‎06-04-2012
0

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


pgyagnzia wrote:

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

 

GOT APPROVED FOR $5000!!!!!!! YYAAAAAAYYYYYY!

 



Congrats! That's a nice increase... well worth the HP.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Senior Contributor
Posts: 3,047
Registered: ‎04-04-2013
0

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

Yes, a 10X cli is very good.

 

I wonder how much the 3rd person would have given...



TU-08: 760    EX-08: 749    EX-08 Bankcard: 789    EQ-04: 719
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

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


pgyagnzia wrote:
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.

I'd say since your inquiries are low, a HP would not be damaging to any real extent. The problem is that you never know what your increase is going to be, and it might not be what you want with a HP. Good luck to you.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

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

10x CLI seems to be the current record on this board. Congratulations!!! Smiley LOL

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.