Credit Line Increase-Discover?

Discussion in 'Credit Talk' started by robertw477, Mar 27, 2003.

  1. robertw477

    robertw477 New Member

    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
     
  2. SoParkDiva

    SoParkDiva New Member

    My understanding - from reading this board - is if you already have an account with CC company and they pull - it is a soft pull.
     
  3. GEORGE

    GEORGE New Member

    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!!!
     
  4. robertw477

    robertw477 New Member

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

    GEORGE New Member

    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!!!
     
  6. Ron

    Ron New Member

    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.
     
  7. NJones

    NJones New Member

    Where on Discover's web site can you request a CLI? The only thing I see says that you have to call.
     
  8. GEORGE

    GEORGE New Member

    ???

    I have never seen such a thing...

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

    GEORGE New Member

    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.
     
  10. NJones

    NJones New Member

    That's the only thing I saw.
     
  11. newcreatur

    newcreatur New Member

    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.
     
  12. lucas222

    lucas222 New Member

    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.

    :)
     

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