As mentioned in my previous posts, I am working on increasing my CLs on my current cards in order to grow them while gardening. I contacted Discover today. I tried to do an automated request for CLI however when I pressed the option on my phone it wouldn't take me to the system. I spoke with a rep who then stated that that feature will not be available until March 23rd as this is my 6 month mark with Discover. She also explained that even if the automated system transfers you to the CSR during the request it doesn't mean hard pull. She said that the system will automatically give you a CLI over the phone or it will ask the rep to read a disclosure if the disclosure is read, you can cancel because at that point you will encounter a HP. So for those of you fellow myficoers who have been transferred to a live rep while using the automated system for increase just know that the CSR will not HP without a disclosure so don't HANG UP it's worth the possible CLI!!
Ha! For grins, after reading this thread I popped on to my Disco account to see if there was a luv button (only been open for 2 months).
There was a button...: "Request a Credit Line Decrease".
I've never seen that one before!