Discover CLI?

[Creditaddict]

I don't have a Discover but I believe startin maybe 1-2 years ago they had a CLI option through the automated system when you called in before getting to a rep... you could type in an amount... thinking 10-15% above current CL and it either gave it to you or said we have to transfer you to rep.... it was always soft unless the rep told you I can't offer based on account performance but I could pull a hard and possibly do it...

I'm not sure if it's different for business accounts but I have spoken directly to underwriting, maybe try to escalade to that so someone can go over your credit report with you and solve these confusions of collection accounts etc.

[Anonymous]

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@Creditaddict wrote:

I don't have a Discover but I believe startin maybe 1-2 years ago they had a CLI option through the automated system when you called in before getting to a rep... you could type in an amount... thinking 10-15% above current CL and it either gave it to you or said we have to transfer you to rep.... it was always soft unless the rep told you I can't offer based on account performance but I could pull a hard and possibly do it...

I'm not sure if it's different for business accounts but I have spoken directly to underwriting, maybe try to escalade to that so someone can go over your credit report with you and solve these confusions of collection accounts etc.

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You can try that, if you don't get it through the automated system, you're going to have to talk to a rep and that will result in a hard pull. If you aren't planning a mortgage or car loan in the next year or two, why not try for it with a hard pull? They are good on explaining everything and are reasonable if you have a reason to need a CLI.

[Anonymous]

The automated system just denied me, they didn't transfer me at all. I have talked to reps before and they denied me too and just said they could do a hard pull. I just dont get how getting a hard pull would increase my chances of getting an increase. I am not planning on getting any loans in the next year, so maybe I will try it with a hard pull a few months down the road. I am just scared itll be declined too.

[Anonymous]

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@Anonymous wrote:

The automated system just denied me, they didn't transfer me at all. I have talked to reps before and they denied me too and just said they could do a hard pull. I just dont get how getting a hard pull would increase my chances of getting an increase. I am not planning on getting any loans in the next year, so maybe I will try it with a hard pull a few months down the road. I am just scared itll be declined too.

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Hard pull increases your chances because they can get more information about your credit history. I'd get that supposed badie cleared up on your CRs/with Discover before you try. Also, what does the rest of your report look like?

[GregB]

Discover is conservative. They did raise my limit from $10K to $15K after about 2 years. I did not request an increase. My interest rate with them is 18.24%.

Are you carrying a balance? If so, then that certainly is part of the problem. I suggest you PIF every month and see what happens in a year or two.

[MagicShot]

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@Anonymous wrote:

The automated system just denied me, they didn't transfer me at all. I have talked to reps before and they denied me too and just said they could do a hard pull. I just dont get how getting a hard pull would increase my chances of getting an increase. I am not planning on getting any loans in the next year, so maybe I will try it with a hard pull a few months down the road. I am just scared itll be declined too.

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Does the Automated system Hard Pull for CLI over the phone?

[Anonymous]

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@MagicShot wrote:

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@Anonymous wrote:

The automated system just denied me, they didn't transfer me at all. I have talked to reps before and they denied me too and just said they could do a hard pull. I just dont get how getting a hard pull would increase my chances of getting an increase. I am not planning on getting any loans in the next year, so maybe I will try it with a hard pull a few months down the road. I am just scared itll be declined too.

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Does the Automated system Hard Pull for CLI over the phone?

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They will only do a hard pull if you continute with a CSR after the automated system says no.

[Anonymous]

Has anyone had the automated system say yes? I am just curious to whether they are really hard to get soft pull increases with.

[Anonymous]

I started with a 1000 CL in May or June and was bumped to 1350 2 months later. I have used the full amount and paid it off before the end of cycle both times. Maybe they know i would spend more if I had a larger limit, I logged on and saw 1350 and was shocked. I had the same 500 from capt 1 for over 2 years now!

[miltown81]

I called Discover 2 days ago to inquire if a customer initiated CLI request would result in a hard pull or soft. The rep informed me that it would first be a soft pull and if the system kicked it back simply based on your score, they would move to a hard pull but only with your permission.