topic Re: Discover soft cli question in Credit Cards

Discover soft cli question

Anonymous — Wed, 10 Dec 2014 04:20:08 GMT

I attempted to see if i could get a soft cli online and got a "your request cannot be compketed at this time" msg. I then attempted to call number on back on card to see if i could request one through automated system. After listentening to all options i realized that there was not a cli option. I've had card for four months. Is there something im doing wrong? Should i dial another number?

Thanks

Re: Discover soft cli question

Jansroom726 — Wed, 10 Dec 2014 04:48:34 GMT

I could be mistaken - however I believe the phone-in option is only available during certain hours?

At least that's what I thought.

I called on my lunch hour this past Saturday and they gave me a $1,000 increase.

Good luck!

Re: Discover soft cli question

newhis — Wed, 10 Dec 2014 06:08:50 GMT

@Anonymous wrote:
I attempted to see if i could get a soft cli online and got a "your request cannot be compketed at this time" msg. I then attempted to call number on back on card to see if i could request one through automated system. After listentening to all options i realized that there was not a cli option. I've had card for four months. Is there something im doing wrong? Should i dial another number?

Thanks

The phone option first started for me after 6 statements. Also for DW.

Re: Discover soft cli question

Anonymous — Wed, 10 Dec 2014 12:45:15 GMT

I think you can get a CLI after six months. When my sixth statement cut, I tried hitting the CLI button and got the same error as you. However, when I logged back in after a day or two I saw they automatically gave me an increase.

Either way, I think 4 months is too early.

Re: Discover soft cli question

ojefferyo — Wed, 10 Dec 2014 21:28:59 GMT

Discover told me it's every 90 days

Re: Discover soft cli question

Anonymous — Wed, 10 Dec 2014 21:40:38 GMT

@Anonymous wrote:
I attempted to see if i could get a soft cli online and got a "your request cannot be compketed at this time" msg. I then attempted to call number on back on card to see if i could request one through automated system. After listentening to all options i realized that there was not a cli option. I've had card for four months. Is there something im doing wrong? Should i dial another number?

Thanks

Hi! what happened with your CLI?? next week is my 90 days, and today if i click on the luv button i got the same message, i hope next week the luv button works!!

Re: Discover soft cli question

Anonymous — Wed, 10 Dec 2014 21:45:28 GMT

@Jansroom726 wrote:
I could be mistaken - however I believe the phone-in option is only available during certain hours?
At least that's what I thought.

I called on my lunch hour this past Saturday and they gave me a $1,000 increase.

Good luck!

Now that's a lunch I can keep down.

ba-dum tshhhhhhh!

Re: Discover soft cli question

Anonymous — Wed, 10 Dec 2014 22:10:01 GMT

Are CLIs from Discover always soft? A Discover CSR told me it normally requires a hard pull.

Re: Discover soft cli question

uswala — Wed, 10 Dec 2014 22:38:41 GMT

@Anonymous wrote:
Are CLIs from Discover always soft? A Discover CSR told me it normally requires a hard pull.

They have both. If you talk to a CSR for CLI you can tell them that you do not want a HP. In most cases they will confirm with you if they need a HP.

Re: Discover soft cli question

uswala — Wed, 10 Dec 2014 22:40:07 GMT

@Jansroom726 wrote:
I could be mistaken - however I believe the phone-in option is only available during certain hours?
At least that's what I thought.

I called on my lunch hour this past Saturday and they gave me a $1,000 increase.

Good luck!

I do not know exact hours but that is the case IMO as well.

When I tried calling them in late night say around 11 PM CST I do not get that option. However, I get that option during the day time.

Re: Discover soft cli question

newhis — Thu, 11 Dec 2014 16:10:09 GMT

@ojefferyo wrote:
Discover told me it's every 90 days

Yes, it is every 90 days, but the first time you get a CLI can be longer. For me was after 6th statement. My DW after 9 statements not a single CLI without HP and the account is only $500, so she doesn't want to waste a HP to get the card to $1000 or so (she already have 2 cards at 5K), so she just SD the card until they gave her a SP CLI.

You can ask for a CLI every 90 days with Discover.

Re: Discover soft cli question

uswala — Thu, 11 Dec 2014 16:17:20 GMT

@newhis wrote:
@ojefferyo wrote:
Discover told me it's every 90 days
Yes, it is every 90 days, but the first time you get a CLI can be longer. For me was after 6th statement. My DW after 9 statements not a single CLI without HP and the account is only $500, so she doesn't want to waste a HP to get the card to $1000 or so (she already have 2 cards at 5K), so she just SD the card until they gave her a SP CLI.

You can ask for a CLI every 90 days with Discover.

Ask your DW to call Discover and ask them if she qualifies for a SP CLI. They are usually very helping.

Re: Discover soft cli question

emptypockets — Thu, 11 Dec 2014 17:07:13 GMT

I think if the card is new, it must be 6 months (or six statements) before you can get a CLI. After that, it is every 90 days.

Re: Discover soft cli question

mikelo22 — Thu, 11 Dec 2014 17:33:04 GMT

@emptypockets wrote:
I think if the card is new, it must be 6 months (or six statements) before you can get a CLI. After that, it is every 90 days.

+1 . I've always heard it's 6 months initially as well. I'm 5 months in and still haven't been able to request a CLI. With discover, the CLI request can be either HP or Soft. However, I think if you call it's always a soft. (Please correct me if I'm wrong). That said, even if you request online, it'll give you a standard warning if it's going to be a HP.

To see if you can request a CLI online, just login to your account. Then in the search bar type in 'Credit Line Increase'. That should get you a link to where you can request. If it's not available yet, it'll tell you.

Re: Discover soft cli question

ojefferyo — Thu, 11 Dec 2014 20:02:13 GMT

@emptypockets wrote:
I think if the card is new, it must be 6 months (or six statements) before you can get a CLI. After that, it is every 90 days.

Nope, when I got my card I had to call in because I have a fraud alert on my CR. They approved me and I asked what my limit was and she told me, she said after 90 days I can ask for an increase if I wanted to. So it doesn't matter if the card is new or old it's 90 days.

Re: Discover soft cli question

newhis — Fri, 12 Dec 2014 05:20:37 GMT

@mikelo22 wrote:
@emptypockets wrote:
I think if the card is new, it must be 6 months (or six statements) before you can get a CLI. After that, it is every 90 days.
+1 . I've always heard it's 6 months initially as well. I'm 5 months in and still haven't been able to request a CLI. With discover, the CLI request can be either HP or Soft. However, I think if you call it's always a soft. (Please correct me if I'm wrong). That said, even if you request online, it'll give you a standard warning if it's going to be a HP.

To see if you can request a CLI online, just login to your account. Then in the search bar type in 'Credit Line Increase'. That should get you a link to where you can request. If it's not available yet, it'll tell you.

If the call is transferred to a representative, most likely they will tell you that a HP is needed, if the system respond with a CLI then it is a SP

Re: Discover soft cli question

newhis — Fri, 12 Dec 2014 05:27:58 GMT

@uswala wrote:
Ask your DW to call Discover and ask them if she qualifies for a SP CLI. They are usually very helping.

Thank you, she will do it after next statement or 2, she will PIF before statement. She is preparing to apply for BCE next month