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Question about Discover CLI

C6
New Contributor

Question about Discover CLI

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?

Message 1 of 10
9 REPLIES 9
dragontears
Senior Contributor

Re: Question about Discover CLI


@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?


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

Message 2 of 10
SoCalGardener
Valued Contributor

Re: Question about Discover CLI


@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?


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!

Amazon Prime Store CardAmerican Express Blue Cash Preferred CardAmerican Express Everyday CardBank of America Customized Cash VisaCapitalOne Quicksilver MastercardCapitalOne Quicksilver VisaCapitalOne Walmart Rewards MastercardChevron Texaco CardCiti Double Cash MastercardDiscover More CardJCPenney Gold MastercardOverstock.com CardSportsmans Guide Rewards VisaSynchrony Home Card
Message 3 of 10
mgood
Established Contributor

Re: Question about Discover CLI

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.



Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 734, TU8 736, EX8 729
Goal Score: EQ8 780, TU8 780, EX8 780

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Message 4 of 10
Reviewers
Established Contributor

Re: Question about Discover CLI

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.

My Scores:


Wishlist Cards:
Capital One Venture X
Message 5 of 10
micvite
Frequent Contributor

Re: Question about Discover CLI


@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?


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

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 6 of 10
MunchieMom
Established Member

Re: Question about Discover CLI

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.

Message 7 of 10
Reviewers
Established Contributor

Re: Question about Discover CLI

@MunchieMom Congratulations on your Discover CLI!

My Scores:


Wishlist Cards:
Capital One Venture X
Message 8 of 10
SouthJamaica
Mega Contributor

Re: Question about Discover CLI


@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?


Existing soft pull.


Total revolving limits 684000 (587000 reporting) FICO 8: EQ 715 TU 712 EX 695

Message 9 of 10
Herestohoping19
New Contributor

Re: Question about Discover CLI

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.

Starting Score: 600
Current Score: 702
Goal Score: 760


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