Question: Does Discover Do A Hard Inquiry For Credit Limit Increase?


Discover can be either a hard or soft inquiry, depending on if you’re requesting a low or high credit limit increase.

They have an online tool that can lead to either result.

Does Discover do a hard pull for credit limit increase?

Small increases can be done without a hard pull, large increases require a hard pull. This is how the process works: Enter in the credit limit increase you want and all other relevant information. Discover will either give you the increase (in which case only a soft pull is done) or they will counter with another offer

Is a credit increase a hard inquiry?

Oftentimes, a limit increase request will trigger a hard pull on your credit report. This can hurt your credit, especially if you have a short credit history. If you call your credit card issuer, you can ask whether a hard inquiry will be initiated. Asking for an increase could affect your credit score.

Does Capital One do a hard inquiry for credit limit increase?

Capital One does not do a hard pull for credit limit increases. It’s true that you can only request one once every six months.But it will result in a soft pull and won’t affect your credit score. So since there are no risks involved, if you have a good payment history, give them a call and make your case.

How often does discover raise your credit limit?

For the best chance of approval, Discover recommends that you wait at least 6 months before applying for another credit limit increase, but your credit limit is being constantly re-evaluated and could be increased at any time.