luv button finally available for Discover but...

[Phizzle]

The reps were super nice about it. I can truly say Discover is a place I do not dread calling into.

[mongstradamus]

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@j_casteel wrote:
I'll give it a few days and see what happens and maybe call a rep. It's only ~4mos old anyway.

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You just need to be patient i didn't get my sp cli until 10 months in, even tho my scores improved drastically.

[emptypockets]

In the past when I did a request, and then backed out (because of the HP language) I would get that language about a CLI request already being in process  when I logged back in later. Then, tthey usally gave me a auto-CLI within a couple weeks of getting the message. Since probably January,2014  I have been following the info in this thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-CLI/m-p/2738393/highlight/true#M782138

For me , when I have clicked the button (eligible every 3 mos) I get a message that says: This request may also require us to pull a credit bureau report, which may affect your credit score.  

Then where I enter the amount it says: Enter the amount  by which you would like to increase your credit line. Your cash line may be increased proportionally. This request will not affect your credit score.

I take this to mean a SP if instantly approved, a HP if not (or if  I want more than the SP will allow). After you get the amount the SP will allow (or possibly a denial)  it gives you the OPTION to request a HP if you want a higher increase. When doing it this way, I have not incurred a HP when requesting a CLI. However, I think i am conservative when it comes to my requests, I usually only ask fora small amount at a time.

I have gone from 7k-->8.5k-->11k-->15k since January with minimal (200 a month) use of the card. For the reason for request, I usually click the balance transfer option.

Good luck!

[j_casteel]

I am patient...lol. They told me when I got the card to try for a CLI at 3mos. I'm not upset about getting a CLI or not. Just curious about the process.

[Anonymous]

Great luck by calling the Discover telephone number on the back of the card and talked with the customer reps. They were informed by me no hard pull and I told them what I wanted. They asked a couple of questions and said the computer would offer a counter if it could not match my request. Went from $2250 to $5000 and then to $6500. No HP!

[j_casteel]

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@Anonymous wrote:
Great luck by calling the Discover telephone number on the back of the card and talked with the customer reps. They were informed by me no hard pull and I told them what I wanted. They asked a couple of questions and said the computer would offer a counter if it could not match my request. Went from $2250 to $5000 and then to $6500. No HP!

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awesome, and congrats!