Is Discover's online credit limit increase a hard pull?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
28 posts
DeadSpider
Platinum Member
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Posts: 82
Joined: Tue Jun 12, 2012 10:51 am
Location: Las Vegas

Postby DeadSpider » Thu Aug 09, 2012 2:24 pm

I wonder if i ask for less CLI it will just give it to me instead of asking for hard pull ? Last one i asked for $4500 wanted credit pull which i declined.
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014


irvine801
Centurion Member
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Thu Aug 09, 2012 5:53 pm

It depends. We do a "short" app which does not do an inquiry. It may approved from there or, it will so the "long" application and that will pull a hard inquiry. From TU.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

ReadyTuna25209
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Joined: Sat Aug 25, 2012 11:02 pm
Location: Atlanta, GA

Postby ReadyTuna25209 » Wed Aug 29, 2012 4:26 pm

I read an online article that said the link online does not do a hard pull but I may be wrong.
AMEX Blue Sky (November 2012)
Citi Diamond Preferred MC (August 2012)
Discover It (August 2012)
Orchard Bank MC (June 2011)
Bank Americard Cash Rewards (September 2010)

Current scores: 715 TU / 724 EQ / 724 EX

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Wed Aug 29, 2012 6:22 pm

I'm not sure about online! Hmmm...
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

DeadSpider
Platinum Member
Platinum Member
 
Posts: 82
Joined: Tue Jun 12, 2012 10:51 am
Location: Las Vegas

Postby DeadSpider » Thu Aug 30, 2012 12:05 pm

I asked for $2000 and was approved !! I think $4500 was alot and wanted to HP but 2k was SP.
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014

hematino
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Posts: 339
Joined: Fri May 11, 2012 4:08 pm
Location: Atlantic City, NJ

Postby hematino » Thu Aug 30, 2012 2:10 pm

DeadSpider wrote:I asked for $2000 and was approved !! I think $4500 was alot and wanted to HP but 2k was SP.


Nice! What did you select for the reason?
Now she's eyeless.
The snakes she held once
Eat up her hands.

DeadSpider
Platinum Member
Platinum Member
 
Posts: 82
Joined: Tue Jun 12, 2012 10:51 am
Location: Las Vegas

Postby DeadSpider » Thu Aug 30, 2012 6:14 pm

The usual BT
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014

websteth
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Posts: 279
Joined: Sun Dec 05, 2010 10:40 am
Location: Florida

Postby websteth » Sat Sep 01, 2012 9:51 am

I'll add my $0.02. When I finally saw the request increase button, I went in and filled out the form. If you ask for more than a certain amount, I was prompted to either allow for a hard pull or, I could put in a different amount to keep it a soft pull. I was able to ad $2k to my limit as a soft pull. Never saw a blip on my credit report either.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard



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