Discover Credit Card Credit Limit Increase Hard or Soft Pull?
Author: AJ
Posted: Wed Mar 14, 2007 12:25 pm
Post subject: Discover Told Me No Hard Pull For A CLI
I was given this info by an Account MGR. They will do a hard pull only when you open a new account. I was offered the chance to try for an increase since my last increase was 5 months ago. She asked me do I want her to push her button to see if one would go through and I declined it, I told her the computer gave me a auto in Oct 2006 and I will wait until my 1 year anniversay in April 07 and see what happens then. Don't blame me if you're told something different. I'm just passing along the info I was given
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Author: fenster
Posted: Wed Mar 14, 2007 12:37 pm
Post subject: Re: Discover Will Not Do A Pull For A CLI
AJ wrote:
Was given this info by an Account MGR. They will pull your report only when you open a new account.
That "Account MGR" is a liar cuz Discover pulls monthly and keeps tracks on ya, maybe it don't pull hard, but it certainly pulls. Nor are there any guarantees one won't be hit with a hard when calling and requesting a CLI, it happened to many.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullwinkle29
Posted: Wed Mar 14, 2007 1:07 pm
Post subject:
this just happened to me
C.C. Issuer?: Discover Miles Card
Existing Limit?: $8,000
Increase Approved?: Yes
New Credit Limit:? $10,000
New Credit Bureau Pulled?: Yes
If So, Which Credit Bureau?: Experian
FICO?: 760
I called to request the CLI, the CSR said NO HARD PULL. she gave a $750. increase. well she did pull, i called CSR back, talk to a supervisior, she said, "I'M sorry sir, i'll bump it to $10k. i can also offer you another 2000 miles for the inconvience. i said yes. and thank you. she was very nice about it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullwinkle29
Posted: Thu Mar 15, 2007 8:04 pm
Post subject:
turns out they also raised my cash advance amount byt a whopping 200 bucks.
Author: xace
Posted: Thu Mar 15, 2007 8:06 pm
Post subject:
I've always wondered why some credit cards have a different limit for cash advances.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Wed Mar 14, 2007 12:25 pm
Post subject: Discover Told Me No Hard Pull For A CLI
I was given this info by an Account MGR. They will do a hard pull only when you open a new account. I was offered the chance to try for an increase since my last increase was 5 months ago. She asked me do I want her to push her button to see if one would go through and I declined it, I told her the computer gave me a auto in Oct 2006 and I will wait until my 1 year anniversay in April 07 and see what happens then. Don't blame me if you're told something different. I'm just passing along the info I was given
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: fenster
Posted: Wed Mar 14, 2007 12:37 pm
Post subject: Re: Discover Will Not Do A Pull For A CLI
AJ wrote:
Was given this info by an Account MGR. They will pull your report only when you open a new account.
That "Account MGR" is a liar cuz Discover pulls monthly and keeps tracks on ya, maybe it don't pull hard, but it certainly pulls. Nor are there any guarantees one won't be hit with a hard when calling and requesting a CLI, it happened to many.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullwinkle29
Posted: Wed Mar 14, 2007 1:07 pm
Post subject:
this just happened to me
C.C. Issuer?: Discover Miles Card
Existing Limit?: $8,000
Increase Approved?: Yes
New Credit Limit:? $10,000
New Credit Bureau Pulled?: Yes
If So, Which Credit Bureau?: Experian
FICO?: 760
I called to request the CLI, the CSR said NO HARD PULL. she gave a $750. increase. well she did pull, i called CSR back, talk to a supervisior, she said, "I'M sorry sir, i'll bump it to $10k. i can also offer you another 2000 miles for the inconvience. i said yes. and thank you. she was very nice about it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullwinkle29
Posted: Thu Mar 15, 2007 8:04 pm
Post subject:
turns out they also raised my cash advance amount byt a whopping 200 bucks.
Author: xace
Posted: Thu Mar 15, 2007 8:06 pm
Post subject:
I've always wondered why some credit cards have a different limit for cash advances.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:59 AM
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