topic Re: Question about Discover CLI in Credit Card Applications

Question about Discover CLI

C6 — Thu, 06 Jan 2022 19:02:34 GMT

When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

Re: Question about Discover CLI

dragontears — Thu, 06 Jan 2022 19:47:29 GMT

@C6 wrote:
When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

From memory, they use existing scores (it has been years since I last requested a CLI from them)

Re: Question about Discover CLI

SoCalGardener — Thu, 06 Jan 2022 20:13:08 GMT

@C6 wrote:
When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

I should know this, as I recently asked for [and received] a CLI on Discover....but I don't! I would *guess* that they need current data--but as long as it's a soft pull, it shouldn't matter, right?

You can easily get a definitive answer by asking Discover. They're very friendly and helpful!

Re: Question about Discover CLI

mgood — Fri, 07 Jan 2022 15:17:16 GMT

I've requested a bunch of times and been approved a few times. They've always been soft pulls. They ask for income and how much I pay for rent each time.

Re: Question about Discover CLI

Reviewers — Fri, 07 Jan 2022 15:27:46 GMT

It's a soft pulls not hard inquirity and they just ask for income and how much you pay in rent that's about it.

Re: Question about Discover CLI

micvite — Sat, 08 Jan 2022 00:26:29 GMT

@C6 wrote:
When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

they use the soft pull they have on file. it updates when the "credit score card" updates

Re: Question about Discover CLI

MunchieMom — Mon, 10 Jan 2022 13:18:31 GMT

Super easy. Gave it a shot... 1k CLI increase. If accepted, they give you the credit immediately but it takes a few days for the app to catch up on screen.

Re: Question about Discover CLI

Reviewers — Mon, 10 Jan 2022 14:21:37 GMT

@MunchieMom Congratulations on your Discover CLI!

Re: Question about Discover CLI

SouthJamaica — Mon, 10 Jan 2022 15:28:09 GMT

@C6 wrote:
When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

Existing soft pull.

Re: Question about Discover CLI

Herestohoping19 — Tue, 11 Jan 2022 21:31:56 GMT

I tested this just recently prior to pulling my annual report and it would appear they use an existing soft pull as there was not a new soft pull listed as far as I can tell. Just figured id share that info as always YMMV and this is just what happened to me.

Re: Question about Discover CLI

csulaguy — Mon, 29 Aug 2022 03:55:22 GMT

Long time lurker here. Just did another CLI request with Discover, and it was a SP as always. I think you can only do them every so many months, though.

Re: Question about Discover CLI

FireMedic1 — Mon, 29 Aug 2022 08:48:39 GMT

@csulaguy wrote:
Long time lurker here. Just did another CLI request with Discover, and it was a SP as always. I think you can only do them every so many months, though.

Welcome @csulaguy

Congrats. What was the amount of your CLI?

Re: Question about Discover CLI

Lou-natic — Tue, 30 Aug 2022 03:47:29 GMT

Just posting this, I don't even have a Discover card but take a look at this.

DISCOVER FINANCIAL SVCS

Inquired on 07/28/2022, 07/22/2022, 07/14/2022, 07/11/2022, 07/01/2022, 06/24/2022, 06/17/2022, 06/10/2022, 06/06/2022, 05/28/2022, 05/19/2022, 05/13/2022, 05/06/2022, 04/28/2022, 04/21/2022, 04/08/2022, 04/02/2022, 03/25/2022, 03/18/2022, 03/11/2022, 03/04/2022, 02/25/2022, 02/19/2022, 02/11/2022, 02/04/2022, 01/28/2022, 01/22/2022, 01/07/2022, 12/23/2021, 12/17/2021, 12/09/2021, 11/04/2021, 10/28/2021, 10/22/2021, 10/15/2021, 10/08/2021, 09/30/2021, 09/23/2021, 09/17/2021 and 09/10/2021

This is just one list of them, there are more. This is from my EXP credit report pulled from annualcreditreport.com just today.

Explains why I get so many "You're Approved!" mailings from DISCO.

Re: Question about Discover CLI

csulaguy — Wed, 07 Sep 2022 15:50:44 GMT

I can't figure out how to quote your post @FireMedic1 . My last CLI was a joke - $500, from $8500 to $9K. But I also had higher than normal utilizations, wihch have since been mostly paid down, so that probably didn't help my case. But Discover is ALWAYS SP AFAIK.

Re: Question about Discover CLI

FireMedic1 — Thu, 08 Sep 2022 10:04:25 GMT

@csulaguy wrote:
I can't figure out how to quote your post @FireMedic1 . My last CLI was a joke - $500, from $8500 to $9K. But I also had higher than normal utilizations, wihch have since been mostly paid down, so that probably didn't help my case. But Discover is ALWAYS SP AFAIK.

Probably right with the util %. Yes its a SP. Click on the post you want to respomd to. Top right blue button. Quote.