Apple and Discover are they SP or HP

Dsc123 · ‎02-16-2022

Hi all,

Wondering if Apple and Discover are soft pulls or hard pulls.

Apple has regular activity, opened almost 21 months ago with an installment that is almost paid off. Low level but regular use and always pay more than due to pay off regular use each month.

Discover is an odd one. They have me card with a 6K limit. I forgot about it (and lost the card in the house) and at the 1 year they closed it. I called to reopen but due to "lost" card (even though it NEVER left our home), they closed it then gave us a new one with a $500 limit because they said we had a paid/charge off in our past. We actually don't remember having a charge off with them, but it that was the reason how did we get the 6K limit in the first place? So it's been about 5 mo, and we thought we would either call them to discuss the CL or just request a credit limit increase- suggestions here?

Anonymous · ‎02-16-2022

Mine were HP for new accounts and SP for all CLI requests.

NYC_Fella · ‎02-16-2022

@Anonymous wrote:
Mine were HP for new accounts and SP for all CLI requests.

Ditto.

Trini88 · ‎02-16-2022

Both are soft pulls. Both you can request in app.

10/19 Quicksilver: $2K
3/21 Americard pc Customized Cash Rewards: $30K
6/21 Target RedCard: $700
6/21 Discover It: $8.5K
6/21 Victoria Secret: $6K
6/21 Savor: $2.3K
7/21 Walmat MC pc VentureOne: $4.1K
8/21 Amex BCP: $25K
11/21 Lowes Advantage: $35K
11/21 FNBO Evergreen: $25K
11/21 GS Apple Card: $4K
4/22 Chase Amazon Prime: $11.2K
7/22 Amex BCE: $8.4K
10/24 Amex Gold: Charge Card

pinkandgrey · ‎02-16-2022

For CLIs both are generally SP. Just chat with an Apple rep and ask him/her to check for you.
Good luck!

Discover It: 26.5k
Fidelity Visa: 21.5k
Amex Cash Magnet: 18k
Apple Card: 9k

bigseegar · ‎02-17-2022

The GS Apple Card is a SP when you initially apply. If you accept their offer (SL and Int Rate) for the card then they do a HP at that point. It's that way for everyone. All future CLI request are SP's however.

Discover is a SP for PRE-Qualf but again a HP if you are pre-approved/Qualf and then app from there.

Royalbacon · ‎02-17-2022

For me when I had Discover prior to my BK it was hard pull to app for the card and credit limit increases were soft pulls.

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5500 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)

jonblaze24 · ‎02-17-2022

@Dsc123 wrote:
Hi all,

Wondering if Apple and Discover are soft pulls or hard pulls.

Apple has regular activity, opened almost 21 months ago with an installment that is almost paid off. Low level but regular use and always pay more than due to pay off regular use each month.

Discover is an odd one. They have me card with a 6K limit. I forgot about it (and lost the card in the house) and at the 1 year they closed it. I called to reopen but due to "lost" card (even though it NEVER left our home), they closed it then gave us a new one with a $500 limit because they said we had a paid/charge off in our past. We actually don't remember having a charge off with them, but it that was the reason how did we get the 6K limit in the first place? So it's been about 5 mo, and we thought we would either call them to discuss the CL or just request a credit limit increase- suggestions here?

Discover is SP, can't speak in regards to Apple.

Also--make sure you try it from both the app and the desktop site. I've had times where the app denied me, but the desktop site approved. Could have just been a funky glitch in the system, but can't hurt.