Frequent Contributor
credit08
Posts: 386
Registered: ‎03-27-2008
Discover CLI
Just for curiosity sakes does Discover give CLI voluntarily or do you have to request one and if so would it be a hard pull or if voluntarily would that be a soft pull?. How long might a person wait before considering this 6 mos 12 mos from account opening etc.
Regular Contributor
laila08
Posts: 198
Registered: ‎01-25-2008
Re: Discover CLI
oh i would love to know the answer to this too. i wasn't going to ask till later but would like to know how the like you to ask. or maybe not ask
apping spree or shopping spree...lesser of 2 evils???hmmm
Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
Re: Discover CLI
The only answer to that question is to call them and ask them.  Your request, if made, for a CLI is technically a request for new credit, and may result in a hard putll.  Gotta ask them in advance.
Frequent Contributor
credit08
Posts: 386
Registered: ‎03-27-2008
Re: Discover CLI
Thanks guys for the information I was thinking that you have to ask for CLI and that it would result in a hard pull. Well for now will just sit tight and let the first INQ age first. Good stuff though!!!!!
Regular Contributor
kvdss
Posts: 141
Registered: ‎10-27-2007
Re: Discover CLI
They do auto increases all the time.  Also if you build some history with them they will usually give you pretty generous increases
Frequent Contributor
credit08
Posts: 386
Registered: ‎03-27-2008
Re: Discover CLI
Thanks for the info I was considering hitting them with some big payments for say 6 mos or so by then will have 12 mos of solid payments along with some age. maybe that will do the trick would be nice!!!!
Regular Contributor
kvdss
Posts: 141
Registered: ‎10-27-2007
Re: Discover CLI
Yes it definitely will make sure you dont miss your payments though!  Depending on your balance I would send like 100-200 or maybe more for like 6 months and then ask for a cli!  how long have you had it for?
Frequent Contributor
credit08
Posts: 386
Registered: ‎03-27-2008
Re: Discover CLI
Just 6 mos still a relatively short time I have not missed any payments  pay before due date that kind of thing.
Regular Contributor
kvdss
Posts: 141
Registered: ‎10-27-2007
Re: Discover CLI
just passed 6 months or not quite been 6 months yet?  usually I believe they will give auto cli after 6 months maybe wait till 7th statement and ask for cli.  I fyou dont mind me asking what is your limit and also any late pays at all?
 
Established Contributor
woopah
Posts: 721
Registered: ‎03-15-2008
Re: Discover CLI
I just got an auto CLI of $1,100.00 from Discover. I don't know if they did a hard pull or soft, since I'm not going to pay for more credit reports, but since I didn't ask for the CLI, I'm hoping it was a soft pull.
4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)