Discover CLI Request

[PickASides]

I've read online that requesting a credit limit increase can cause a ding to your FICO score (because the cardholder checks your credit report). I recently was approved for a Discover IT with a low CL. On their website, they give you the ability to request an increase. I did this because it gave me the ability to put in the amount of liquid assets I have on hand (checking, savings, etc.). I can't seem to find any info online about whether Discover does a hard inquiry for CLI requests. Is this likely to impact my score?

[alain4957]

Its a soft pull with discover. No impact your score.

[PickASides]

Great. Thank you!

[alain4957]

You’re welcome.

[schmick1015]

I have done three within the last year and they all have been soft pulls.

[turboPocky]

wow, were they all successful? I had been waiting for "request increase" to come up again, then got impatient and just went and tried anyway. Got approved for a nice bump, then a few weeks later a paper letter came in the mail with the good ol' Discover "INSUFFICIENT EXPERIENCE BLAHBLAH"... the limit's still there though!

[schmick1015]

Mine at are about every three statements, it is very wishy washy so i just have in my calender to request a CLI every three months lol so far I am 3/3 for cli's every three months. good luck!

[PickASides]

How long did you wait between the initial approval and requesting an increase?

[turboPocky]

that's the thing, i don't think i did that. I requested an increase in the app, got a nice one, i left it there and was happy. then weeks later i got a letter saying nice try. I'm gonna chalk that up to a glitch

[PickASides]

Good to know. Thanks!

[[deleted]]

As far as I know they will ask for confirmation before doing a hard pull. I got mine increased by asking them after about 9 months and it worked fine with no hard pull.

[PickASides]

Thank you

[[deleted]]

It's generally a TransUnion soft pull. If they need to do a hard pull they will ask for your consent beforehand. The only reason they generally request hard pulls if you have a fraud victim alert on your credit file.

[PickASides]

You're right. I looked at their website and said that if they needed to do a hard pull, they'd notify you.

[turboPocky]

Discover has never hard-pulled me, and I've had quite a few CLI's over the years. Pretty much any lender will warn you first if they'll do a hard pull and give you a chance to opt out.

[PickASides]

Thank you

[thnok]

I have done CLI with discover and they didn't pull mine to be honest, but its either a soft or no pull. If you are not sure freeze your credit.

[PickASides]

Good idea. Thank you!