Discover new CLI page

[newhis]

Discover just changed the CLI webpage, now it just ask for income, employer and housing, before making a decision. If a HP is needed then the next page will ask for your phone and ask for your approval.

Even my DW that the option was never available they let her ask for an increase. Both of us required a HP at this time, we didn't allow it.

[lord_kinbote]

Opened Discover in 09/14 with a 3300 CL.  Fico scores were in the 760ish range, but I was only an AU on a single card, but had positive closed mortgage/car loans.  No real history in regards to revolvers.  I was very understanding of the low limit and especially since I knew Discover's conservative background.  The phone option has never been available for me and I was not able to request a CLI from the website until December.  Denied in December.  I requested 10k total and was not countered.  It took about two weeks for the request credit limit increase link to work again - just came available today.  I noticed right off the verbiage had changed; it indicated that a credit check may be required but would not be completed without approval.  When entering data into the prompts, it no longer asked how much I would like to request, it just asked for my income and employer name.  I provided and hit submit.  Received the below response;

We have received your credit line increase request.   Decisions are typically made within two business days.

Well, I sort of got paranoid with this new wording and decided to fire off a chat request.  Rep gave me a number to call to verify.  Called and the rep listened to my speil and said, I will be more than happy to check and it will in fact only be a SP.  I said sure, let's DO IT!  She said I am able to increase your CL to 6300.  I said thanks!  A 3,000.00 increase from Discover with a SP is just a great way to start your day!

[lord_kinbote]

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@newhis wrote:

Discover just changed the CLI webpage, now it just ask for income, employer and housing, before making a decision. If a HP is needed then the next page will ask for your phone and ask for your approval.

Even my DW that the option was never available they let her ask for an increase. Both of us required a HP at this time, we didn't allow it.

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You beat me to it!  My experience was a little different.  Check out my thread!  Maybe the mods can merge?

[Anonymous]

Congrats!

[newhis]

Hi akula, yes maybe mods can merge the threads 

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-new-CLI-page/td-p/3755479

Thank you, now I know what to expect when a CLI is approved, the page asking for your phone number and to allow the pull is not shown, only what you reported.

Before they asked more questions, like why you want an increase, employer's phone number, what limit you want... It looks like they changed to the simpler version used by the phone system.

[Imperfectfuture]

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@akula wrote:

Opened Discover in 09/14 with a 3300 CL.  Fico scores were in the 760ish range, but I was only an AU on a single card, but had positive closed mortgage/car loans.  No real history in regards to revolvers.  I was very understanding of the low limit and especially since I knew Discover's conservative background.  The phone option has never been available for me and I was not able to request a CLI from the website until December.  Denied in December.  I requested 10k total and was not countered.  It took about two weeks for the request credit limit increase link to work again - just came available today.  I noticed right off the verbiage had changed; it indicated that a credit check may be required but would not be completed without approval.  When entering data into the prompts, it no longer asked how much I would like to request, it just asked for my income and employer name.  I provided and hit submit.  Received the below response;

We have received your credit line increase request.   Decisions are typically made within two business days.

Well, I sort of got paranoid with this new wording and decided to fire off a chat request.  Rep gave me a number to call to verify.  Called and the rep listened to my speil and said, I will be more than happy to check and it will in fact only be a SP.  I said sure, let's DO IT!  She said I am able to increase your CL to 6300.  I said thanks!  A 3,000.00 increase from Discover with a SP is just a great way to start your day!

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Congrats.  Wonders if they will change their policy on low SL's when I apply next fall, winter?

[lord_kinbote]

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@newhis wrote:

Hi akula, yes maybe mods can merge the threads 

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-new-CLI-page/td-p/3755479

Thank you, now I know what to expect when a CLI is approved, the page asking for your phone number and to allow the pull is not shown, only what you reported.

Before they asked more questions, like why you want an increase, employer's phone number, what limit you want... It looks like they changed to the simpler version used by the phone system.

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Yes, apparently if the CLI can not be approved with a SP, you apparently see what the OP stated - a request for a HP.  I am not sure what would have happened, if I would have waited.  It just said a response would be provided within 2 business days.  I was calling just to make sure it was not a HP, but when the rep said she could take care of it, I went for it.

I dunno if there has been a policy change in regards to limits, but I was surprised to see a 3k increase from Discover.  My TU score is 763, which is what I believe Discover always spends - my TU is always displayed on my statements.

[Kenny]

Weird... so I tried this just to see if I'd get the HP message. I didn't.. immediately says they'll let me know in 2 days. I immediately get an e-mail saying my request is pending. We shall see...

[lord_kinbote]

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@Kenny wrote:
Weird... so I tried this just to see if I'd get the HP message. I didn't.. immediately says they'll let me know in 2 days. I immediately get an e-mail saying my request is pending. We shall see...

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+1 This was my exact experience.  I called 1-800-347-4856 right after and that's when the rep said she could take care of it.  I would call them now and try, as it sounds like you are about to receive a CL increase!

[Imperfectfuture]

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@Kenny wrote:
Weird... so I tried this just to see if I'd get the HP message. I didn't.. immediately says they'll let me know in 2 days. I immediately get an e-mail saying my request is pending. We shall see...

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Call, Kenny, call.