Credit Line Increase-Discover? - Credit Repair Forum from Creditnet
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  1. #1
    robertw477 is offline Member
    Join Date
    Dec 2002
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    51

    Credit Line Increase-Discover?

    Does Discover pull a credit report when you request a line increase? What about Citibank Aadvantage. I want to get some lines raised but do not want a credit pull. I have Amex Starwood and I know they pull a report even if you have been a good customer. I am trying to increase my score by letting utilization drop a little. I went to 25% utilization from 10% and lost 33 points with Equifax. One thing is for sure Equifax scores moves the most. FICO moves much less.

    ROB

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  3. #2
    SoParkDiva is offline Senior Member
    Join Date
    Mar 2003
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    796

    Credit Line Increase-Discover?

    My understanding - from reading this board - is if you already have an account with CC company and they pull - it is a soft pull.
    "The large print giveth, and the small print taketh away." - Tom Waits

    All I have in this world is my name and my FICO scores

    EQ - 732
    TU - 722
    EX - 658 (718)

  4. #3
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Credit Line Increase-Discover?

    You can say NO "PULL" they do a "SOFT" every month...THEY DON'T NEED A "HARD"

    They might just say NO WAY...

    If you do a BT, they ask "HOW MUCH" you say I could do more than $XXXX (my current limit)..."BUT I DON'T NEED ANY CREDIT REPORTS PULLED"

    I have done that a couple of times...

    BUT DISCOVERCARD IS IN THE SOCK DRAWER!!!

  5. #4
    robertw477 is offline Member
    Join Date
    Dec 2002
    Posts
    51

    Credit Line Increase-Discover?

    Wow. I never knew Discover did a soft pull every month. I guess they want to stay on top of things with their customers.

  6. #5
    GEORGE is offline Senior Member
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    Mar 2000
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    20,468

    Re: Credit Line Increase-Discover?

    Originally posted by robertw477
    Wow. I never knew Discover did a soft pull every month. I guess they want to stay on top of things with their customers.
    Some cards do "SOFT" 1-4 times per year...some EVERY MONTH...some every 3 weeks!!!

    THEY ARE LOOKING FOR A REASON TO "JACK" YOU!!! THEY REALLY DON'T NEED A REASON TO "JACK" YOU...THEY CAN JUST "INVENT" ONE IF THEY CAN'T FIND A REASON IN YOUR CREDIT REPORTS!!!

  7. #6
    Ron
    Ron is offline Senior Member
    Join Date
    Mar 2000
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    2,729

    Credit Line Increase-Discover?

    Discover Card increased credit limit depends on your credit history (from 1 yr - 3 yrs). You can request credit limit increase on their websites every 3 to 4 months since last increase (without hard inquiry). Filling the forms it is definitely hard inquiry.


    Ron.

  8. #7
    NJones is offline Senior Member
    Join Date
    Apr 2003
    Posts
    144

    Re: Credit Line Increase-Discover?

    Originally posted by Ron
    Discover Card increased credit limit depends on your credit history (from 1 yr - 3 yrs). You can request credit limit increase on their websites every 3 to 4 months since last increase (without hard inquiry). Filling the forms it is definitely hard inquiry.


    Ron.
    Where on Discover's web site can you request a CLI? The only thing I see says that you have to call.
    I can get you a 25% discount off any Apple brand software! Big discounts on all Apple hardware also! E-mail me for details.
    njones@dps.state.la.us

  9. #8
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Re: Credit Line Increase-Discover?

    Originally posted by Ron
    Discover Card increased credit limit depends on your credit history (from 1 yr - 3 yrs). You can request credit limit increase on their websites every 3 to 4 months since last increase (without hard inquiry). Filling the forms it is definitely hard inquiry.


    Ron.
    ???

    I have never seen such a thing...

    Or are you talking about requesting it by their E-MAIL (CONTACT US)

  10. #9
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Re: Credit Line Increase-Discover?

    Please call us at
    1-800-DISCOVER
    (1-800-347-2683). A
    Customer Service
    representative will ask you a
    few simple questions and
    process your request - it's that
    easy. Credit limit increases
    can currently be requested
    only by phone.

  11. #10
    NJones is offline Senior Member
    Join Date
    Apr 2003
    Posts
    144

    Re: Credit Line Increase-Discover?

    That's the only thing I saw.
    I can get you a 25% discount off any Apple brand software! Big discounts on all Apple hardware also! E-mail me for details.
    njones@dps.state.la.us

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