wondering if i got too greedy

[corradovr6]

Good day. So i just received my first auto cli from discover after having it for 20 months a couple days ago. Figured I would give the button a try for the heck of it since discover seems to be in a zone. Filled out the fields. Income, employer, and housing. Before it would say can't process at this time. Pressed submit. This time it said under review, usually takes 1 to 2 days. Never went to another screen saying they need to pull report. Apping in a few months so don't really want a hp. Would a sp have gone to this under review screen. Much appreciated.

[Anonymous]

It's a soft pull, and 99% likely a denial.

[FocusedAndDetermined]

---

@Anonymous wrote:

It's a soft pull, and 99% likely a denial.

---

+1

I was declined when I received same message, but a couple of weeks later rcvd another $1.5K increase.  Just wait a little bit and try again.

[sunkissed]

I received the same message.  The first time was the end of March.  I logged in the next day and had received a $1k increase.

This week I pressed my luck again and got the 1-2 day message.  I waited a couple of days – no increase.  Then Discover emailed me, asking me to call them for verification concerning my recent request.  When I called, they wanted to verify my employment because my credit line was already more than $20k.  After verification, I received a $1.5k bump.

[corradovr6]

Sunkissed- had any of these ended up being a hardpull

[sunkissed]

---

@corradovr6 wrote:
Sunkissed- had any of these ended up being a hardpull

---

Nope.  Neither time.  All my reports are frozen.

In fact, after the rep verified my employment, he stated that $22,000 was as high as they could offer me on an SP.

[taxi818]

---

@FocusedAndDetermined wrote:

---

@Anonymous wrote:

It's a soft pull, and 99% likely a denial.

---

+1

I was declined when I received same message, but a couple of weeks later rcvd another $1.5K increase.  Just wait a little bit and try again.

---

+2

[Anonymous]

+3. Even if you get told no online and even if you get a letter mailed to your house with obvious hard pull,  you may stiill get on the radar for an internal review. This happened to me. I was given a small increase after told no online and with a letter. A month later I found this board, discovered the discover LUV and now rock a 4800 limit after 3 years of sitting at 1k. 

[Anonymous]

Lol, "got too greedy."