Discover CLI question

Anonymous · ‎03-20-2014

Good morning everyone,

I am thinking about requesting a CLI for my discover IT card. I have had the card since November 2013 with a starting limit of 1k. I was just wondering if I were to call over the phone to request it, would they do a soft inquiry right then and there or do they base the CLI off the last soft pull they have? Thanks in advance for your help!

coldnmn · ‎03-20-2014

I would call and ask if there is a CLI available. They will ask you if they have to do a hard pull then you can deny the hp. Good Luck!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

Anonymous · ‎03-20-2014

I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case lol So I withdrew from the application. He said their soft pull is based off of when they send me my fico score and the last one I got was 2 weeks ago stating my transunion was 730. They must be very conservative.

-Wade- · ‎03-20-2014

@Anonymous wrote:
Good morning everyone,
I am thinking about requesting a CLI for my discover IT card. I have had the card since November 2013 with a starting limit of 1k. I was just wondering if I were to call over the phone to request it, would they do a soft inquiry right then and there or do they base the CLI off the last soft pull they have? Thanks in advance for your help!

you can call or do online , they will let you know if it's a HP and you can cancel it! Very easy to do

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

-Wade- · ‎03-20-2014

@Anonymous wrote:
I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case lol So I withdrew from the application. He said their soft pull is based off of when they send me my fico score and the last one I got was 2 weeks ago stating my transunion was 730. They must be very conservative.

Congrats on your CLI WTG

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

chwebb1 · ‎03-20-2014

@Anonymous wrote:
I just called to try to get it increased to 5k . They said they would have to do a hard pull from all 3 CA's.. That's ridiculous, might as well apply for 3 more cards if that we're the case lol So I withdrew from the application. He said their soft pull is based off of when they send me my fico score and the last one I got was 2 weeks ago stating my transunion was 730. They must be very conservative.

I don't think that they will HP all 3. When I asked for a CLI on my Discover from $1k to my current limit of $2k, they only pulled TU.

photo bankamericard-better-balance-rewards-credit-card-small.png

$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015

Anonymous · ‎03-20-2014

Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.

Anonymous · ‎03-20-2014

@Anonymous wrote:
Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.

I called the 1800 number and went through the automated system but none of the options were to request a cli? Was there something you did different?

indiolatino61 · ‎03-20-2014

@Anonymous wrote:
@Anonymous wrote:
Try doing the robo-cli. Call the number on the card and follow the prompts. I was able to do a SP CLI even though the website never allowed one the year I have had the card.
I called the 1800 number and went through the automated system but none of the options were to request a cli? Was there something you did different?

Yes...I also always call but never get any option for a CLI. I have had my card for 13 months and have not yet been able to get a SP CLI...and presumably my TU is 802 according to them.

lg8302ch · ‎03-20-2014

In my numerous attempts over the past year I tried with the luv button, robot call thing and speaking to a CSR even conference call with analyst but results were the same on any channel. HP and I declined. So any attempt over 12 months has always been with the online luv button...just tried to challenge Discover's system immediately when the luv button became active again....(every 2-3 months) repeated ...and to my shocking surprise at the 15months got the "congratulation".., had to look twice as it approved the full amount I requested. 2,5k to 5k With SP. Now I am happy with Discover..lol