topic Re: CLI of Discover in Credit Card Applications

CLI of Discover

Anonymous — Fri, 23 Jan 2015 08:32:12 GMT

I just pressed CLI button then filled with information like income.After that I got message

Your request is still under review.

Decisions are typically made within 2 business days of submission. There's nothing else you need to do at this time.

Isn't hard or soft pull ?

Thanks

Re: CLI of Discover

shoo — Fri, 23 Jan 2015 08:34:45 GMT

@Anonymous wrote:
I just pressed CLI button then filled with information like income.After that I got message
Your request is still under review.
Decisions are typically made within 2 business days of submission. There's nothing else you need to do at this time.
Isn't hard or soft pull ?

Thanks

Pretty sure it's soft. Discover lets you know when it's a HP. If you're nervous just call 24 hour CS. Might even be able to get a better increase.

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 08:53:51 GMT

Just called them ,they are unavaliable now .However , the CLI button didn't ask for the amount that I want to increase !!!! it asked for the income and monthly rent appartment then I clicked submit

Re: CLI of Discover

bigbang91 — Fri, 23 Jan 2015 09:37:15 GMT

@Anonymous wrote:
Just called them ,they are unavaliable now .However , the CLI button didn't ask for the amount that I want to increase !!!! it asked for the income and monthly rent appartment then I clicked submit

When did you open your card,? Is it new?

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 09:43:29 GMT

its from march 2014 with 700 and my last CLI with HP was in October with 1250 .

Re: CLI of Discover

bigbang91 — Fri, 23 Jan 2015 09:46:12 GMT

@Anonymous wrote:
its from march 2014 with 700 and my last CLI with HP was in October with 1250 .

Thanks, im considering asking for a CLi too cause i just pass my 3 months since having the card

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 10:40:09 GMT

@Anonymous wrote:
its from march 2014 with 700 and my last CLI with HP was in October with 1250 .

I've had Discover since college freshman year with a CL = 500, never received a CLI for >4 years. Lucky

Re: CLI of Discover

Closingracer99 — Fri, 23 Jan 2015 14:19:09 GMT

@shoo wrote:
@Anonymous wrote:
I just pressed CLI button then filled with information like income.After that I got message
Your request is still under review.
Decisions are typically made within 2 business days of submission. There's nothing else you need to do at this time.
Isn't hard or soft pull ?

Thanks
Pretty sure it's soft. Discover lets you know when it's a HP. If you're nervous just call 24 hour CS. Might even be able to get a better increase.

I've pushed the button with no question and went with a cli and was a hard pull ...

Re: CLI of Discover

NRB525 — Fri, 23 Jan 2015 14:28:58 GMT

@Closingracer99 wrote:
@shoo wrote:
@Anonymous wrote:
I just pressed CLI button then filled with information like income.After that I got message
Your request is still under review.
Decisions are typically made within 2 business days of submission. There's nothing else you need to do at this time.
Isn't hard or soft pull ?

Thanks
Pretty sure it's soft. Discover lets you know when it's a HP. If you're nervous just call 24 hour CS. Might even be able to get a better increase.
I've pushed the button with no question and went with a cli and was a hard pull ...

I think the information about whether it would be SP or HP was earlier in the OP screen views, when you were starting the CLI request. You have to read the text they give you carefully, it should indicate whether it will "impact your credit score" or not, whether they need to obtain a copy of your CR or not, that sort of thing.

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 14:51:21 GMT

its a soft pull and it will most likely give you a 500 increase .. i did it last night

Re: CLI of Discover

juggalo9er — Fri, 23 Jan 2015 14:57:21 GMT

@Anonymous wrote:
@Anonymous wrote:
its from march 2014 with 700 and my last CLI with HP was in October with 1250 .
I've had Discover since college freshman year with a CL = 500, never received a CLI for >4 years. Lucky

wow!

Re: CLI of Discover

newhis — Fri, 23 Jan 2015 15:57:11 GMT

@Anonymous wrote:
Just called them ,they are unavaliable now .However , the CLI button didn't ask for the amount that I want to increase !!!! it asked for the income and monthly rent appartment then I clicked submit

Yes they changed the CLI page, now they have fewer questions. When you clic the first page it will show a second screen, that screen will either say that your CLI is under review, confirm information, or that they need to pull your credit report and provide a phone so they can reach you if needed, then you can cancel or continue with the HP.

If you got the 2 days review after the first screen, it should be SP. They will decide the amount they can give you. I see someone only got $500 but other person $3000.

Good luck.

Re: CLI of Discover

Involver — Fri, 23 Jan 2015 18:18:31 GMT

For the first time since opening the account, I was actually able to submit a CLI request via the website.

Input salary and housing and ...

Nope sorry we have to pull your credit.

My score via Discover as of 01/03 is 809.

No thanks guys.

Re: CLI of Discover

newhis — Fri, 23 Jan 2015 18:31:11 GMT

@Involver wrote:
For the first time since opening the account, I was actually able to submit a CLI request via the website.

Input salary and housing and ...

Nope sorry we have to pull your credit.

My score via Discover as of 01/03 is 809.

No thanks guys.

Wow. Is your account new?

Re: CLI of Discover

Involver — Fri, 23 Jan 2015 18:34:10 GMT

@newhis wrote:
@Involver wrote:
For the first time since opening the account, I was actually able to submit a CLI request via the website.

Input salary and housing and ...

Nope sorry we have to pull your credit.

My score via Discover as of 01/03 is 809.

No thanks guys.
Wow. Is your account new?

It's 14 months old.

I took a HP for a CLI back in September I think and got $500. I was not amused.

Re: CLI of Discover

chalupaman — Fri, 23 Jan 2015 18:38:07 GMT

I too got one of those lame $500 HP increases and the card will remain in the SD for who knows how long. It's a good card i'd use more if the limit was more like 2 or 3k. Third oldest card and one i put a lot of my spending on too moreso than most cards i have.

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 18:37:53 GMT

I've tried a couple times recently, wanted hard pull. I'm going to wait until the next update of the TU Fico they provide and see what happens. Current one is from late last month.

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 18:39:26 GMT

I must have gotten lucky. I got a 2k SP CLI last week

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 23:31:16 GMT

I sent them message yesterday asking to cancel my request if its hard pull so they cancelled my request .

Re: CLI of Discover

Anonymous — Fri, 23 Jan 2015 23:44:18 GMT

@Anonymous wrote:
I've tried a couple times recently, wanted hard pull. I'm going to wait until the next update of the TU Fico they provide and see what happens. Current one is from late last month.

Wow, I'm impressed with Discover. Got a call from them this afternoon asking if they should go ahead and do a HP for a CLI. Nice gal. I told her that I don't want another pull right now and will wait a few months and try again. While I had her on the line I asked which bureau it would be from, and the answer was TU. Good thing I said no, they have the most inquiries out of the three.