Question about Discover CLI

[C6]

When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

[dragontears]

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@C6 wrote:

When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

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From memory, they use existing scores (it has been years since I last requested a CLI from them) 

[SoCalGardener]

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@C6 wrote:

When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

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I should know this, as I recently asked for [and received] a CLI on Discover....but I don't! I would *guess* that they need current data--but as long as it's a soft pull, it shouldn't matter, right?

You can easily get a definitive answer by asking Discover. They're very friendly and helpful!

[mgood]

I've requested a bunch of times and been approved a few times. They've always been soft pulls. They ask for income and how much I pay for rent each time.

[Reviewers]

It's a soft pulls not hard inquirity and they just ask for income and how much you pay in rent that's about it.

[micvite]

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@C6 wrote:

When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

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they use the soft pull they have on file. it updates when the "credit score card" updates

[MunchieMom]

Super easy. Gave it a shot... 1k CLI increase. If accepted, they give you the credit immediately but it takes a few days for the app to catch up on screen.

[Reviewers]

@MunchieMom Congratulations on your Discover CLI!

[SouthJamaica]

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@C6 wrote:

When requesting a Discover credit limit increase do they use an exiting soft pull they have on file or do they do a fresh pull at time of application?

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Existing soft pull.

[Herestohoping19]

I tested this just recently prior to pulling my annual report and it would appear they use an existing soft pull as there was not a new soft pull listed as far as I can tell. Just figured id share that info as always YMMV and this is just what happened to me.