Recently I called discover to cancel a disability life /insurance for 10 bucks a month that i didnt need. I ended talkin about balance transfers and I mention I needed a Increase..... He looked it up and said "I can look at your history with us and make a decision based on that or i can do a hard inquiry" I opted for the first option , and declined on the second Well my limit was bumped up to 4,600 from 3,100 without the hard or soft inquiry. Im happy.....