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
My understanding - from reading this board - is if you already have an account with CC company and they pull - it is a soft pull.
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!!!
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!!!
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)
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.
Very informative, I came here because my credit report[very decent] shows discover doing an inquiry every month and nothing from other card.95% of time we pay total balance every month so it bugged me, I called and she said we are just checking to see if you qualify for some feature, I said yeh the 26.99% feature I'm looking for new card.
I have been with discover since 2003 and every 6 months on the dot I call them for an increase with no hard pull. Works everytime.
