topic Re: Discover CLI question in Credit Cards

Discover CLI question

Anonymous — Thu, 20 Mar 2014 16:28:53 GMT

Good morning everyone,

I am thinking about requesting a CLI for my discover IT card. I have had the card since November 2013 with a starting limit of 1k. I was just wondering if I were to call over the phone to request it, would they do a soft inquiry right then and there or do they base the CLI off the last soft pull they have? Thanks in advance for your help!

Re: Discover CLI question

coldnmn — Thu, 20 Mar 2014 16:50:09 GMT

I would call and ask if there is a CLI available. They will ask you if they have to do a hard pull then you can deny the hp. Good Luck!

Re: Discover CLI question

Anonymous — Thu, 20 Mar 2014 17:10:43 GMT

I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case lol So I withdrew from the application. He said their soft pull is based off of when they send me my fico score and the last one I got was 2 weeks ago stating my transunion was 730. They must be very conservative.

Re: Discover CLI question

-Wade- — Thu, 20 Mar 2014 17:15:36 GMT

@Anonymous wrote:
Good morning everyone,
I am thinking about requesting a CLI for my discover IT card. I have had the card since November 2013 with a starting limit of 1k. I was just wondering if I were to call over the phone to request it, would they do a soft inquiry right then and there or do they base the CLI off the last soft pull they have? Thanks in advance for your help!

you can call or do online , they will let you know if it's a HP and you can cancel it! Very easy to do

Re: Discover CLI question

-Wade- — Thu, 20 Mar 2014 17:16:30 GMT

@Anonymous wrote:
I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case lol So I withdrew from the application. He said their soft pull is based off of when they send me my fico score and the last one I got was 2 weeks ago stating my transunion was 730. They must be very conservative.

Congrats on your CLI WTG

Re: Discover CLI question

chwebb1 — Thu, 20 Mar 2014 18:47:16 GMT

@Anonymous wrote:
I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case lol So I withdrew from the application. He said their soft pull is based off of when they send me my fico score and the last one I got was 2 weeks ago stating my transunion was 730. They must be very conservative.

I don't think that they will HP all 3. When I asked for a CLI on my Discover from $1k to my current limit of $2k, they only pulled TU.

Re: Discover CLI question

Anonymous — Thu, 20 Mar 2014 20:02:31 GMT

Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.

Re: Discover CLI question

Anonymous — Thu, 20 Mar 2014 21:40:03 GMT

@Anonymous wrote:
Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.

I called the 1800 number and went through the automated system but none of the options were to request a cli? Was there something you did different?

Re: Discover CLI question

indiolatino61 — Thu, 20 Mar 2014 22:57:16 GMT

@Anonymous wrote:
@Anonymous wrote:
Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.
I called the 1800 number and went through the automated system but none of the options were to request a cli? Was there something you did different?

Yes...I also always call but never get any option for a CLI. I have had my card for 13 months and have not yet been able to get a SP CLI...and presumably my TU is 802 according to them.

Re: Discover CLI question

lg8302ch — Thu, 20 Mar 2014 23:11:21 GMT

In my numerous attempts over the past year I tried with the luv button, robot call thing and speaking to a CSR even conference call with analyst but results were the same on any channel. HP and I declined. So any attempt over 12 months has always been with the online luv button...just tried to challenge Discover's system immediately when the luv button became active again....(every 2-3 months) repeated ...and to my shocking surprise at the 15months got the "congratulation".., had to look twice as it approved the full amount I requested. 2,5k to 5k With SP. Now I am happy with Discover..lol

Re: Discover CLI question

Anonymous — Fri, 21 Mar 2014 00:49:21 GMT

@Anonymous wrote:
@Anonymous wrote:
Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.
I called the 1800 number and went through the automated system but none of the options were to request a cli? Was there something you did different?

I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.

Re: Discover CLI question

amakol — Fri, 21 Mar 2014 01:53:01 GMT

@Anonymous wrote:
I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.

Just tried it out. Pressed 1 for automated system, enter account ID, # to skip balance info, 4 for more options, 3 for CLI, enter income and rent payment and the computer gave me $1000 CLI!!

I thought Discover hated me with online CLI page giving error messages and phone reps always needing a HP for even the smallest increase.

Is this for sure a SP though? I pressed accept so quickly the robot was still saying "if you decline..."

Re: Discover CLI question

daybreakgonesXe — Fri, 21 Mar 2014 02:39:07 GMT

@bonehead88 wrote:
@Anonymous wrote:
I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.
Just tried it out. Pressed 1 for automated system, enter account ID, # to skip balance info, 4 for more options, 3 for CLI, enter income and rent payment and the computer gave me $1000 CLI!!

I thought Discover hated me with online CLI page giving error messages and phone reps always needing a HP for even the smallest increase.

Is this for sure a SP though? I pressed accept so quickly the robot was still saying "if you decline..."

bonehead,

Did some quick searches from previous posts, and looks like it's practically a guaranteed soft pull. If it wasn't, the system would prompt you for a hard pull and/or connect you to a CSR.

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-Automated-phone-CLI-Question/td-p/1215011

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-More-CLI-with-soft-pull/td-p/1103172

They are from 2012 and 2011, respectively, but seems like it runs the same way based on what trza said.

All the best!

Re: Discover CLI question

indiolatino61 — Fri, 21 Mar 2014 05:02:17 GMT

@bonehead88 wrote:
@Anonymous wrote:
I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.
Just tried it out. Pressed 1 for automated system, enter account ID, # to skip balance info, 4 for more options, 3 for CLI, enter income and rent payment and the computer gave me $1000 CLI!!

I thought Discover hated me with online CLI page giving error messages and phone reps always needing a HP for even the smallest increase.

Is this for sure a SP though? I pressed accept so quickly the robot was still saying "if you decline..."

It didn't work for me.... option 3 was to replace a card, not for CLI...and CLI was not an option for me at all. In the SD it will stay.

Re: Discover CLI question

Genkeim — Fri, 21 Mar 2014 13:26:05 GMT

@indiolatino61 wrote:
@bonehead88 wrote:
@Anonymous wrote:
I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.
Just tried it out. Pressed 1 for automated system, enter account ID, # to skip balance info, 4 for more options, 3 for CLI, enter income and rent payment and the computer gave me $1000 CLI!!

I thought Discover hated me with online CLI page giving error messages and phone reps always needing a HP for even the smallest increase.

Is this for sure a SP though? I pressed accept so quickly the robot was still saying "if you decline..."
It didn't work for me.... option 3 was to replace a card, not for CLI...and CLI was not an option for me at all. In the SD it will stay.

Same here... option 3 was to replace card I'm sad... Account's been open since Aug '13. ton of usage, low util %. It was once my highest CL now it's my lowest and looks like it'll stay that way

Re: Discover CLI question

takeshi74 — Fri, 21 Mar 2014 13:42:40 GMT

@Anonymous wrote:
I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case

It's all based on your credit. If borderline a creditor can pull multiple. Just requested a CLI on my own Discover and it was a single HP. If you're in that shape it's probably not advisable to app for 3 cards and appear desparate for credit as well as risk the denials. Work on improving things and try again later.

Re: Discover CLI question

Anonymous — Fri, 21 Mar 2014 19:44:27 GMT

@Genkeim wrote:
@indiolatino61 wrote:
@bonehead88 wrote:
@Anonymous wrote:
I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.
Just tried it out. Pressed 1 for automated system, enter account ID, # to skip balance info, 4 for more options, 3 for CLI, enter income and rent payment and the computer gave me $1000 CLI!!

I thought Discover hated me with online CLI page giving error messages and phone reps always needing a HP for even the smallest increase.

Is this for sure a SP though? I pressed accept so quickly the robot was still saying "if you decline..."
It didn't work for me.... option 3 was to replace a card, not for CLI...and CLI was not an option for me at all. In the SD it will stay.
Same here... option 3 was to replace card I'm sad... Account's been open since Aug '13. ton of usage, low util %. It was once my highest CL now it's my lowest and looks like it'll stay that way

Yeah option 3 for me is to replace a card...none of the options give me the option to request a cli. Today, just for the heck of it, i clicked on "request a credit line increase" online and the page it brings me to says

"We're sorry. You already have a credit line increase request in progress.

We are unable to process another request until your current one is complete."

How is this possible if a withdrew from the application yesterday?

Re: Discover CLI question

Genkeim — Fri, 21 Mar 2014 19:45:42 GMT

I think you're only allowed one request every 90 days? So even though you stopped the HP it still counts as a request.

Re: Discover CLI question

Anonymous — Fri, 21 Mar 2014 19:54:28 GMT

@Genkeim wrote:
I think you're only allowed one request every 90 days? So even though you stopped the HP it still counts as a request.

I don't think so though. I had asked the customer service rep if I would have to wait some time to request another cli and he said no; that i could try at any time I wanted because he never actually submitted the application.

Maybe they're reviewing my account for an auto cli? That'd be nice

Re: Discover CLI question

amakol — Sat, 22 Mar 2014 17:09:18 GMT

@daybreakgonesXe wrote:
@bonehead88 wrote:
@Anonymous wrote:
I don't remember off hand. But i think you choose credit card, sleep through the balance info, and then request a CLI is an option. Maybe 3 button pushes to get there.
Just tried it out. Pressed 1 for automated system, enter account ID, # to skip balance info, 4 for more options, 3 for CLI, enter income and rent payment and the computer gave me $1000 CLI!!

I thought Discover hated me with online CLI page giving error messages and phone reps always needing a HP for even the smallest increase.

Is this for sure a SP though? I pressed accept so quickly the robot was still saying "if you decline..."
bonehead,

Did some quick searches from previous posts, and looks like it's practically a guaranteed soft pull. If it wasn't, the system would prompt you for a hard pull and/or connect you to a CSR.

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-Automated-phone-CLI-Question/td-p/1215011

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-More-CLI-with-soft-pull/td-p/1103172

They are from 2012 and 2011, respectively, but seems like it runs the same way based on what trza said.

All the best!

Thanks daybreak.