Why won't Discover increase my CL without a HP?

[Anonymous]

So.... I have been using my Discover IT card for >4years. I have been stuck with my initial credit line of $2000. I have never received an automatic CLI. I usually spend ~$300 monthly and pay it off immediately. My credit scores across 3 bureaus are around 770-780. I tried to request a CLI but it required a HP. My Citi and Chase credits cards all have CL of >10k each. I read all the stories of other people receiving huge CLIs from Discover. I don't understand why Discover won't increase my credit limit without a hard pull. Any thoughts?

[Anonymous]

That is weird. There's something in your profile that they don't like. What that is would be anybody's guess. What score do they show for TU?

[Anonymous]

I have 776 for TU. Only thing that stands out in my reports is $9k deferred student loan. No late payments or anything. I never come close to 10% total credit usage. 

[Anonymous]

Im on the same boat , id like to hear some people insight. Im stuck at 1300 and have other cards that have much higher limits and are growing.

[Anonymous]

They also want a HP from me for a CLI. I don't know why some people always get SP, and some of us require a HP. Mine could be because when I originally app'd, I app'd as a student (I was denied and then offered the secured version) but I don't recall being asked any employment info on the app because I had selected "student"... so my thinking is maybe that's why once mine graduated they wouldn't increase my limit without a HP... I don't know, it's just a thought.

[Anonymous]

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@Anonymous wrote:

I have 776 for TU. Only thing that stands out in my reports is $9k deferred student loan. No late payments or anything. I never come close to 10% total credit usage. 

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Thin file / lack of depth? Score is nice, but there are other factors.

[Anonymous]

Go to the discover website and go to request a CLI. Input your information and click to request a CLI. When it asks you to authorize a hard pull, don't authorize it but don't click cancel either. Just X out of your browser. I found this loophole. They will consider you for a CLI without using a HP and you will get a letter in a few days. 

[Anonymous]

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@povertybrah wrote:

Go to the discover website and go to request a CLI. Input your information and click to request a CLI. When it asks you to authorize a hard pull, don't authorize it but don't click cancel either. Just X out of your browser. I found this loophole. They will consider you for a CLI without using a HP and you will get a letter in a few days. 

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Seriously?

[Anonymous]

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@Anonymous wrote:

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@povertybrah wrote:

Go to the discover website and go to request a CLI. Input your information and click to request a CLI. When it asks you to authorize a hard pull, don't authorize it but don't click cancel either. Just X out of your browser. I found this loophole. They will consider you for a CLI without using a HP and you will get a letter in a few days. 

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Seriously?

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Actually, if you do this, they will call you to confirm what you wanted to do - but they won't offer anything with a SP if your account is not eligible for it. Simply going back to another window in and of itself is not going to get you a CLI unless they show on their end you are eligible for SP anyway.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@povertybrah wrote:

Go to the discover website and go to request a CLI. Input your information and click to request a CLI. When it asks you to authorize a hard pull, don't authorize it but don't click cancel either. Just X out of your browser. I found this loophole. They will consider you for a CLI without using a HP and you will get a letter in a few days. 

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Seriously?

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Actually, if you do this, they will call you to confirm what you wanted to do - but they won't offer anything with a SP if your account is not eligible for it. Simply going back to another window in and of itself is not going to get you a CLI unless they show on their end you are eligible for SP anyway.

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So then it's possible that they will call you and then still want a HP? Bummer - thanks for the info though!