Discover CLI HP Friendly

[Santi78342]

Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

[ojefferyo]

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@Santi78342 wrote:

Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

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90 days is what they told me.

[Anonymous]

I just went to the online screen and it says it may need a hard pull from the credit ..... 

does this mean a hard pull will be done or have some seen this and have gotten away with a SP ? 

[-Wade-]

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@Santi78342 wrote:

Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

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If you are getting that message then you can not get a SP CLI . you have to call them and it will be a HP

[-Wade-]

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@Anonymous wrote:

I just went to the online screen and it says it may need a hard pull from the credit ..... 

does this mean a hard pull will be done or have some seen this and have gotten away with a SP ? 

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it would have been a HP

[Anonymous]

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@-Wade- wrote:

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@Anonymous wrote:

I just went to the online screen and it says it may need a hard pull from the credit ..... 

does this mean a hard pull will be done or have some seen this and have gotten away with a SP ? 

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it would have been a HP

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yup 

[Santi78342]

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@-Wade- wrote:

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@Santi78342 wrote:

Does your account have to be open 6 months to initiate a request? I've had my IT almost 4 months and every time I try online it tells me that it can't be processed at this time and to call.

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If you are getting that message then you can not get a SP CLI . you have to call them and it will be a HP

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Will that always be the case? Has anyone continued to get this message and then the online request eventually work? Say after 6 months or a year?

[chwebb1]

My online luv button always tells me that I have to call (Your credit limit increase request cannot be processed at this time). I think Discover hates me. And I don't know what I did to them to make them hate me.

[Anonymous]

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@chwebb1 wrote:

My online luv button always tells me that I have to call (Your credit limit increase request cannot be processed at this time). I think Discover hates me. And I don't know what I did to them to make them hate me.

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If you don't know they aren't gonna tell you. Flowers usually help but you might try a nice dinner and a few glasses of wine 

[juggalo9er]

This thread is a great example of one of the many reasons i dislike Discover. People in this thread are stating "at least they tell you if it will be a hp". the way i see this is discover will not increase your credit line so you are settling for whatever they happen to give. I have heard numerous people use the excuse that Discover is conservative, they are not conservative they are nonsensical. i have taken 2 hp cli's for $250 each. Discover gets absolutely no use from me anymore and will likely never see the light of day again. Make a point of reading post on discover cli's and compare it to other lenders....discover will seem worse the more you compare