topic Re: Discovercard CLI Button in Credit Cards

Discovercard CLI Button

911gt34life — Fri, 01 Jun 2012 10:09:05 GMT

i just login this morning to my account and i see Request increase button so is it soft or hard pull ?

Re: Discovercard CLI Button

Anonymous — Fri, 01 Jun 2012 12:20:23 GMT

I had it all of May. I clicked it in the first few days, filled out the form and nothing. Every subsequent click resulted in a message saying it would take 2 business days and my request was still pending. I don't think it works but I cash tell you it was neither a SP or HP.

Re: Discovercard CLI Button

Anonymous — Fri, 01 Jun 2012 12:42:49 GMT

Funny, but when I logged in a couple minutes ago, that request increase button has been replaced with a request loan button!

Re: Discovercard CLI Button

CS800 — Fri, 01 Jun 2012 15:47:41 GMT

My CLI option disappeared a long time ago and havent seen it since ..been over 8 months.

Re: Discovercard CLI Button

RockinRay — Fri, 01 Jun 2012 16:04:51 GMT

It is there for me... I hit it last month and they declined me. Then it went away for a few days and came back. Not going to bother hitting it again for now.

Re: Discovercard CLI Button

CS800 — Fri, 01 Jun 2012 16:06:26 GMT

When I go to help, I see it and when i click, it gives me a number to call.

So if one has the option? Is it a SP or FP?

I guess i will be forever stuck at $6500

Re: Discovercard CLI Button

Anonymous — Fri, 01 Jun 2012 16:36:39 GMT

When you click the button you will either be told to call in or given a form to fill out with income / personal info. The call in to the CSR is usually (almost always) a hard pull. If you fill out the form it will ask how much CLI do you want. Then the system responds with we can increase you by XX. If you need more call in. That increase is a soft. If you call in then it's back to hard pull. At least this has been my experience. When I get the call in I just cancel out of the request.

Re: Discovercard CLI Button

Anonymous — Fri, 01 Jun 2012 16:52:23 GMT

Just did this a couple of days ago. The first portion asks for income and employment and the amount you would like. I entered an amount that apparently was above some threshold so it came back with a message that a hard pull woul dbe necessary to see if I was allowed that much. I did not continue and just cancelled the request, then I went into it again and asked for less and the system came back with a message that I could not be approved for that much but they counter offered. Interesting because the counter offer was the same amount I asked for. Say yes and boom you have the new amount.

Re: Discovercard CLI Button

CS800 — Fri, 01 Jun 2012 17:22:43 GMT

Ok so the only way for me is a HP, i'll pass

Re: Discovercard CLI Button

Anonymous — Fri, 01 Jun 2012 21:01:21 GMT

Under Help Center I see

Request a Credit Line Increase
Request a Credit Line Decrease

I think I will wait til I am atleast 6 months of having the card, be getting my 2nd statement Monday and it still has not reported to CRA's

Re: Discovercard CLI Button

jla84 — Mon, 04 Jun 2012 18:22:48 GMT

I hit it a few days ago (my account just hit 8 months). Filled out the form and asked for $3000, taking my initial $3000 CL to $6000. It was instantly approved, but it also said if I wanted more, I'd have to call in, which I believe is a HP. If you just take what they give you after filling out the form it's a SP. The funny thing is that the CLI request button is still there. But I'm not going to try again for another 6 months.

Re: Discovercard CLI Button

Anonymous — Mon, 04 Jun 2012 18:45:07 GMT

Always heard good things about discover customer service for cli. I would just call and ask for max line without hard inquiry. I think reps know what they are doing.

Re: Discovercard CLI Button

Anonymous — Mon, 15 Apr 2013 03:09:01 GMT

@jla84 wrote:
I hit it a few days ago (my account just hit 8 months). Filled out the form and asked for $3000, taking my initial $3000 CL to $6000. It was instantly approved, but it also said if I wanted more, I'd have to call in, which I believe is a HP. If you just take what they give you after filling out the form it's a SP. The funny thing is that the CLI request button is still there. But I'm not going to try again for another 6 months.

Can you tell me how much do you charge on the card each month? My Discover card is one year old with inital 1000CL, and got one CLI of $500 every six months, so it's $2000 CL now.

Re: Discovercard CLI Button

Anonymous — Mon, 15 Apr 2013 15:06:59 GMT

Good to know, thanks for the info. I had a snafu with Citi back in February resulting in a HP. I hit the LUV button for my Discover and was a little intimidated by the CLI form, lots of questions, didn't know if it was a SP or HP for sure. I'll give it a whirl once my balance goes down next month.

Re: Discovercard CLI Button

jla84 — Tue, 16 Apr 2013 16:01:29 GMT

@Anonymous wrote:
Can you tell me how much do you charge on the card each month? My Discover card is one year old with inital 1000CL, and got one CLI of $500 every six months, so it's $2000 CL now.

Probably less than $500 a month. I should also note that this thread is pretty old and I've since gotten an auto CLI and then a second customer initiated CLI that I did through the phone.

Can't really explain why Discover seems to like me so much. I'm waiting until the summer to ask them to bring my CL up to $10K (I'm at $9200 now), but given that Discover is notorious for being conservative I won't hold my breath. We'll see what happens!

Re: Discovercard CLI Button

LS2982 — Tue, 16 Apr 2013 16:05:32 GMT

They might as well take my button away, I click it and a monkey laughs at me NO CLI FOR YOU!!!!

Re: Discovercard CLI Button

CS800 — Tue, 16 Apr 2013 16:24:52 GMT

The option is on my account permanently but everytime I try it.....DENIED

Re: Discovercard CLI Button

carlismycat — Wed, 17 Apr 2013 02:32:03 GMT

I clicked on request a credit line increase, and got sn errorpage,saying it couldn't process tbe page. I called tbeir 1-800# and spoke with someone who took my info. I asked her if it wasa sp or hp . She told me its a sp at first , but sometimes depending on the system it will need to do a hp to gain further info. zshe was very kind and polite. She told me I could back out of the application if it needed a hp. I proceeded. It did need a HP, to ehich I decided to take the chance. I don.t know if it matters what the answer is, but when I was transferred to the person who pulls the credit and approves it, heasked why I wanted to increase my limit. I told him I had been reading up on how credit works and trying to esfablish/build better credit score and it wasn't that I wanted to spend more. I nicely stated how I try to pif as best I can and have stayed under 1,000. with a current balance of 500, out of a limit of 3,750. and yeah I know I probsbly sounded like I was butt kissing. lol

Anyway, I got approved for a 2,000. increase making it 5,750. my highest limit to date. I wasso nervous because my faco scores were in the mid 700's, last month and my fico score was only 670 when I looked earlier this month.