Re: Discover More CLI's
08-17-2012 02:51 PM
Congrats. It is good to know that the auto cli don't upset the cli cycle.
Covet wrote:Just for fun, I just called Discover and asked for another $500 (to make it an even 10k) and they did it.
Re: Discover More CLI's
08-17-2012 02:57 PM
Originally Approved at $1000.
After 6 statements the automated option was not available on my account. Spoke to a CSR and without me asking she was very explicit about the difference between a soft and hard pull and explained she would put the request in and it would only be a soft pull. I would get approved, declined, or the system would tell her a hard was required to continue and she would ask for my permission before doing that.
She said they would counter offer, so I asked for a $3,000 total line. Declined with just the soft, no request for hard.
A few weeks later I got a call from Discover that they were following up on recent requests that were denied and trying to see what they could do. She verified my information, ensured me it was only a soft pull (again without me prompting) and said the system would tell her I could get none or up to $3,000.
Approved for the $3,000 I originally requested. No hard pull.
Re: Discover More CLI's
08-17-2012 03:59 PM
bostonte wrote:Originally Approved at $1000.
After 6 statements the automated option was not available on my account. Spoke to a CSR and without me asking she was very explicit about the difference between a soft and hard pull and explained she would put the request in and it would only be a soft pull. I would get approved, declined, or the system would tell her a hard was required to continue and she would ask for my permission before doing that.
She said they would counter offer, so I asked for a $3,000 total line. Declined with just the soft, no request for hard.
A few weeks later I got a call from Discover that they were following up on recent requests that were denied and trying to see what they could do. She verified my information, ensured me it was only a soft pull (again without me prompting) and said the system would tell her I could get none or up to $3,000.
Approved for the $3,000 I originally requested. No hard pull.
That's great! Congrats on the CLI!!!
And thanks for sharing your experience! Very helpful information from all of you!
Question....for you, and anyone else who received a CLI from Discover. Did you have a balance at the time of the CLI? Or was your account at zero?
Last App: 9/2012
Goal: No Apps until 2/2014 & FICO over 700
Re: Discover More CLI's
08-17-2012 04:10 PM
bostonte wrote:Originally Approved at $1000.
After 6 statements the automated option was not available on my account. Spoke to a CSR and without me asking she was very explicit about the difference between a soft and hard pull and explained she would put the request in and it would only be a soft pull. I would get approved, declined, or the system would tell her a hard was required to continue and she would ask for my permission before doing that.
She said they would counter offer, so I asked for a $3,000 total line. Declined with just the soft, no request for hard.
A few weeks later I got a call from Discover that they were following up on recent requests that were denied and trying to see what they could do. She verified my information, ensured me it was only a soft pull (again without me prompting) and said the system would tell her I could get none or up to $3,000.
Approved for the $3,000 I originally requested. No hard pull.
Very awesome CONGRATS!!!!
Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
Re: Discover More CLI's
08-17-2012 05:01 PM
At my 3 month mark Discover bumped my limit from $2000 to $2500. I was paying them like $450 a month lol. So they must have figured I could handle a little higher limit ![]()
Re: Discover More CLI's
08-17-2012 05:29 PM
spengbab wrote:At my 3 month mark Discover bumped my limit from $2000 to $2500. I was paying them like $450 a month lol. So they must have figured I could handle a little higher limit
I've been paying them chunks like that as well so hopefully that will count for me too!
I love this card and use it often.
Last App: 9/2012
Goal: No Apps until 2/2014 & FICO over 700
Re: Discover More CLI's
[ Edited ]08-17-2012 06:34 PM - edited 08-17-2012 06:48 PM
I received a $750 auto cli from discover a few months ago. The funny thing is that the increased credit line became available the next day after I apped for the Chase Freedom. Coincidence? I think not. Obviously ymmv, but it seems discover is watching.![]()
Amex Zync | BCE 2.6k | BofA Travel Rewards 4k | Chase Freedom 2.1k | Discover it 4k
Re: Discover More CLI's
08-18-2012 04:26 AM
Discover hates me and I hate them, so no hard feeling at all. Acc has been opened since March 2011, no lates, no over the limit, always trying to PIF, topping the card and paying it down, nothing has worked. I´m stuck at 1k initial CL. Everytime I try to get a CLI, the system wants a HP. Wonder if the student status has something to do with this.
Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCP 6k | Citi Forward 3k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 6k | Discover Walmart 4.9k | Barclays Apple 2.5k | BoA CR 800
