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Discover CLI - Hard pull??

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Regular Contributor

Discover CLI - Hard pull??

discover.PNG

Discover currently the lowest @7,700.  Except Discover my average CL is about 20,000.   A few weeks ago, I called to inquire about the possibility of CLI and was told I could initiate after Feb 20 - I think the last CLI was 500 on 1/20.   I rately use it, thus I do not expect much from Discover.

 

I tried CLI today and got this.   I would not permit them to pull my profile unless I expect double / triple increase...  but my experience with Discover has been tiny scrumbles each time.

Is Discover CLI hard pull now?

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Frequent Contributor

Re: Discover CLI - Hard pull??

It's still a soft pull unless they request to do a hard pull in which case they will ask you as they did. 

Message 2 of 6
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Valued Contributor

Re: Discover CLI - Hard pull??

It’s soft pull unless the system flags something in your profile warranting a hard pull. The language will be present stating they need to do so as you can see but I personally wouldn’t waste a HP on it. 

 

Either way way good luck 

April 2020
Experian Fico 8. 703
Transunion Fico 8. 711
Equifax Fico 8. 717

Capital one QS. $700
.
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 3 of 6
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Regular Contributor

Re: Discover CLI - Hard pull??

Okay...more puzzles now.

When Discover can look though my profile through soft pull any time they want, why would they want HP?

I applied only one card last 12 months - not counting biz cards...and I am certain Discover has an access to the history.   Anyone had any similar experience?

Message 4 of 6
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New Contributor

Re: Discover CLI - Hard pull??

It might not hurt to wait 91-days before requesting a CLI with Discover.  Discover automatically gave me a CLI after the first 90-days, but denied my phone request 30-days after the initial CLI.  I then called Discover 91-days after the last CLI and really put the charm on during the call, which resulted in $2K CLI.  I've also read in the community that you can hit the CLI button on your account directly AFTER you are approved for a CLI over the phone, but I doubt I have the guts to even try it.

 

I am no expert on Discover after having the card for only six-months as of today, but it seems like 91-days is more reliable in my modest experience than the 30-day intervals I've been reading about in the community.  Best of luck to you!!!

BK7 DC: 6/2014 (Chase, WF, and BofA were IIB)
GOAL: Gardening 'till 8/2021 (7 years 1 month post-BK7) for HPs to drop down before I apply for legacy Citi bankcard
AMEX Gold & Platinum || Discover $21K CL (0% Util) || Barclays JetBlue Plus $15K CL (0% Util) || Capital One Venture $12K CL (0% Util) ||
TCL: $48K [Primary on All Five Lines--Not an AU on any accounts]
6 Inquires as of June 5, 2020:
EQ: 11/29/19
TU: 10/15/19
EX: 8/26/19, 8/26/19, 9/13/19, 3/18/20


Message 5 of 6
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Valued Contributor

Re: Discover CLI - Hard pull??

Disco, or any other creditor can do a HP at their discretion. I think we're so used to seeing SP done that we expect it now. I would wait 91 days to ask for a CLI and see how that goes. Good luck, OP!





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
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