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Question about Discover CLI

C6
Valued Member

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
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?


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

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 2 of 10
SoCalGardener
Established 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 CardAmerican Express Platinum 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
Frequent 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 721, TU8 736, EX8 713
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 4 of 10
Reviewers
Regular 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 & Chase Sapphire Reserve

Starting Score: 674
Current Score: 715
Goal Score: 800


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: $8000
WF Propel: $2000
Amex BCED: $1000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
VS CC: $1850
Kohls: $1500
Synchrony car care: $4000
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
Regular Contributor

Re: Question about Discover CLI

@MunchieMom Congratulations on your Discover CLI!

My Scores:


Wishlist Cards:
Capital One Venture & Chase Sapphire Reserve

Starting Score: 674
Current Score: 715
Goal Score: 800


Message 8 of 10
SouthJamaica
Super 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 693500 (600500 reporting) FICO 8: EQ 716 TU 729 EX 697

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


Take the myFICO Fitness Challenge
Message 10 of 10
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