Question about CLI

Anonymous · ‎08-05-2012

Hi there, I have a BCE from Amex and a Discover card, some others too, but those are the two I'd like a CLI for...my questions are:

1. If I request an increase and get denied, will I get a nick on my score?

2. If it gets denied, will they lower my current limit?

Thankyou in advance.

Anonymous · ‎08-05-2012

Your score may be impacted if they Hard pull ur file . I dont think otherwise it will make any dent on ur score.

Anonymous · ‎08-06-2012

Thankyou, do I ask if its a hardpull before I request the increase? Or rather, can I?

crunching_numbers · ‎08-06-2012

How long have you had your BCE? If you had it for a while it will probably be a soft pull for up tp 3X your current CL.

What kind of Discover is it? Discover More or a co-branded one?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

Anonymous · ‎08-06-2012

Ive had them both two years, its a discover more, Ive always just had auto CLI didnt know that you could request one. (I know Im dumb).