nismoZtuner wrote:I was given an auto increase after one year while my friend who also applied the same day as me has received 2 in the past year- we both reported the same income- BUT i have way more credit history and better score than him but only Discover knows why.
I don't want to ask for CLIs on my cards I figured if they give me an auto increase without asking is better than getting an inquiry
Discover is pretty clear about whether they're going to hard pull or not. If it's a soft pull, the text on the CII page 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." It says something different if it would be a hard pull. Enter a number, fill in the rest of the form (the questions vary, but normal income/housing/reason stuff), and click the submit button. They'll say "Yes", "yes, but less than you asked", "No", or "No way!". If they counter or say a plain no, there's an option to reconsider, which is a hard pull. (There is, apparently, a way to do this through the automated phone system, but I've never called about it.)
Discover are almost certainly using the data they use to calculate your fico score to decide to give you a CLI or not, so you can figure out the data they'd be using, and manipulate your other accounts to report what you want.
(Also, contrary to member's experience, Discover has given me lots of increases, some auto, some soft requests. I've had the card about three years, and have gone from $2K to $22K. I don't use it a whole lot, average spend over the life of the card is 400 a month. I'm using it once a month or so, to make sure I get a statement and a credit score, and so far this year, I've spent less than $400 on it. I might put some spend on it, if I hit the 1500 in gas on the Freedom this quarter, and if the 4th quarter is the same online shopping it's been.)