topic Re: Discover CLI HP Friendly in Credit Card Applications

Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 01:27:34 GMT

i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.

UPDATE:

WENT AHEAD AND DID THE ONLINE CLI AFTER I HIT SUBMIT FOR 5K I WAS TOLD A HP WOULD BE NEEDED FOR FURTHER REVIEW. I CLICKED CANCELED AND DID IT AGAIN FOR 3K THEN IT SAID I WAS NOT APPROVED THE INCREASE... ATLEAST IT WAS NOT A HARD PULL .

lol 5k is more than enough but you know the more the better !

Re: Discover CLI HP Friendly

-Wade- — Tue, 20 Jan 2015 00:50:32 GMT

@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.

Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 00:51:47 GMT

@-Wade- wrote:
@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.
Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck

Cool info. Off to give it a try and see what happens.

Re: Discover CLI HP Friendly

-Wade- — Tue, 20 Jan 2015 00:54:54 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.
Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck
Cool info. Off to give it a try and see what happens.

Good Luck and let us know the outcome. It took me 14 months to get my first CLI

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 00:56:25 GMT

Good luck & congrats on the $5,00 limit. I've had my Discover card 3 years, with almost $30,000 in the bank with them & just LAST WEEK got approved for $4,300.

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 00:59:18 GMT

Thats awesome !

@Anonymous wrote:
Good luck & congrats on the $5,00 limit. I've had my Discover card 3 years, with almost $30,000 in the bank with them & just LAST WEEK got approved for $4,300.

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 00:59:48 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.
Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck
Cool info. Off to give it a try and see what happens.

Im tempted to try .... awww

Re: Discover CLI HP Friendly

-Wade- — Tue, 20 Jan 2015 01:02:33 GMT

@Anonymous wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.
Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck
Cool info. Off to give it a try and see what happens.
Im tempted to try .... awww

you have nothing to lose , go for it. I lost count on the times i did it until i got my SP CLI

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 01:04:19 GMT

@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.
Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck
Cool info. Off to give it a try and see what happens.
Good Luck and let us know the outcome. It took me 14 months to get my first CLI

Tried with a limit increase from $3k to $5k, no joy without a hard pull. Retried with an increase to $4k, still no joy. It's nice, though, that they let you know so you can cancel before an inquiry is done. My account is only six months old.

Re: Discover CLI HP Friendly

-Wade- — Tue, 20 Jan 2015 01:06:11 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
i want to do a credit limit increase on my Discover it i currently have 5k which was the amout i was opened with around August last year. i want to know if i do an online CLI is discover bound to HPs.

i also heard of doing it canceling it and doing it for a higher amount.

and i currently have 500 balance but i make several payments in the months and it will a 0 balance at the end of the month.
Yes you can ask for a CLI online and if it's a HP you can cancel the process. Good Luck
Cool info. Off to give it a try and see what happens.
Good Luck and let us know the outcome. It took me 14 months to get my first CLI
Tried with a limit increase from $3k to $5k, no joy without a hard pull. Retried with an increase to $4k, still no joy. It's nice, though, that they let you know so you can cancel before an inquiry is done. My account is only six months old.

Congrats on the 4k CL

Re: Discover CLI HP Friendly

Santi78342 — Tue, 20 Jan 2015 01:10:15 GMT

Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

Re: Discover CLI HP Friendly

ojefferyo — Tue, 20 Jan 2015 01:14:29 GMT

@Santi78342 wrote:
Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

90 days is what they told me.

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 01:15:29 GMT

I just went to the online screen and it says it may need a hard pull from the credit .....

does this mean a hard pull will be done or have some seen this and have gotten away with a SP ?

Re: Discover CLI HP Friendly

-Wade- — Tue, 20 Jan 2015 01:15:52 GMT

@Santi78342 wrote:
Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

If you are getting that message then you can not get a SP CLI . you have to call them and it will be a HP

Re: Discover CLI HP Friendly

-Wade- — Tue, 20 Jan 2015 01:17:21 GMT

@Anonymous wrote:
I just went to the online screen and it says it may need a hard pull from the credit .....

does this mean a hard pull will be done or have some seen this and have gotten away with a SP ?

it would have been a HP

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 01:36:54 GMT

@-Wade- wrote:
@Anonymous wrote:
I just went to the online screen and it says it may need a hard pull from the credit .....

does this mean a hard pull will be done or have some seen this and have gotten away with a SP ?
it would have been a HP

yup

Re: Discover CLI HP Friendly

Santi78342 — Tue, 20 Jan 2015 01:40:14 GMT

@-Wade- wrote:
@Santi78342 wrote:
Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.
If you are getting that message then you can not get a SP CLI . you have to call them and it will be a HP

Will that always be the case? Has anyone continued to get this message and then the online request eventually work? Say after 6 months or a year?

Re: Discover CLI HP Friendly

chwebb1 — Tue, 20 Jan 2015 09:48:59 GMT

My online luv button always tells me that I have to call (Your credit limit increase request cannot be processed at this time). I think Discover hates me. And I don't know what I did to them to make them hate me.

Re: Discover CLI HP Friendly

Anonymous — Tue, 20 Jan 2015 10:12:55 GMT

@chwebb1 wrote:
My online luv button always tells me that I have to call (Your credit limit increase request cannot be processed at this time). I think Discover hates me. And I don't know what I did to them to make them hate me.

If you don't know they aren't gonna tell you. Flowers usually help but you might try a nice dinner and a few glasses of wine

Re: Discover CLI HP Friendly

juggalo9er — Tue, 20 Jan 2015 10:45:26 GMT

This thread is a great example of one of the many reasons i dislike Discover. People in this thread are stating "at least they tell you if it will be a hp". the way i see this is discover will not increase your credit line so you are settling for whatever they happen to give. I have heard numerous people use the excuse that Discover is conservative, they are not conservative they are nonsensical. i have taken 2 hp cli's for $250 each. Discover gets absolutely no use from me anymore and will likely never see the light of day again. Make a point of reading post on discover cli's and compare it to other lenders....discover will seem worse the more you compare