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How to increase your Discover credit limit

Increase your purchasing power with active and responsible credit card use.

Your credit line doesn’t only affect your spending power, it affects your credit score and subsequently the loan terms you receive from other providers. That’s why requesting a credit limit increase from Discover could be worth considering.

How can I find out my Discover credit limit?

Find your credit line information on your credit card statement or on your online account. Calling Discover’s customer support could be another way of learning your credit limit.

How do I know if I am eligible for a credit limit increase?

Discover outlines their credit line increase eligibility criteria on their website. It includes:

  • Timely payments on your credit card account.
  • High income, low expenses.
  • Good credit history.
  • The number of recent inquiries.

Meeting these requirements doesn’t mean a credit limit increase is guaranteed, but it improves your chances of approval.

How to increase my Discover credit limit

You’ll find four ways to increase your credit limit with Discover.

  1. Submit your request online
  2. Call the bank
  3. Get an automatic credit limit increase
  4. Apply for another card

Before you request a credit line increase, make sure you have the following information: your annual income, employment and occupation, a reason for the request, your monthly credit card spend and mortgage/rent payment.

Submit your request online

If you mostly do your banking online, you can easily apply through your personal account:

  • Log in to your online Discover credit card account.
  • Select the credit line increase option under account management.
  • Fill out the request form.
  • Review and submit.

Call the bank

Alternatively, you can call the bank and request a credit limit increase directly from a customer service representative. Here’s how to do it:

  • Call Discover at 800-347-2683.
  • Request your credit limit increase.
  • Provide the necessary information.

When will I receive the credit limit increase?

Once approved, your credit line increase will appear immediately. If Discover needs additional information, it may take a few more days.

Get an automatic credit limit increase

Discover is known for rewarding active credit card users with automatic credit line increases. To increase your chances of success, make sure to:

  • Use your card regularly. Show discover you really use the card and an increase would be more than welcome.
  • Use a higher amount of your credit line. It doesn’t make sense to ask for an increase if you use 10% of your credit line. But don’t max out your credit line either.
  • Pay your full balance on time. Discover puts a lot of weight on your ability to repay your debt.

Apply for another card

If you keep getting denied for a credit line increase, you can always apply for another card. This way you get to choose additional perks, like a signup bonus, rewards program, an intro APR period or no annual fees.

Compare high-limit credit cards

Providers rarely share credit limits, but these cards tend to offer higher lines of credit than others. It’s always a good idea to check with the provider to be sure.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Freedom Unlimited®
3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.

Compare up to 4 providers

How is my Discover credit limit determined?

Discover weighs in the following criteria when deciding on your credit line:

  • Annual income.
    With a higher annual income, you can get a higher credit limit.
  • Employment.
    A job and a steady income shows you can be a responsible cardholder.
  • Creditworthiness.
    Clean credit history and on-time payments are important factors to Discover.
  • Utilization rate.
    Keep your utilization rate at 30% or below to boost your chances of getting a higher credit line.
  • Lower expenses.
    Discover wants a healthy gap between your annual income and monthly expenses, such as rent or mortgage payments.
  • The number of credit card inquiries.
    Don’t apply for multiple credit cards if you want to request a credit limit increase with Discover. Having too many inquiries can raise a red flag and deny you a high credit line.

How often will Discover increase my credit limit?

Discover is one of the more generous card providers when it comes to credit line increases. Some customers report that they got an automatic credit limit increases every month, which isn’t the case with other credit card providers.

Bottom line

If you’re not happy with your credit limit, call Discover or request an increase via your online account. But you have to be eligible for an increase first. This means you need to actively use your card and pay off your full balance on time.

If requesting a credit line increase seems like a hassle, consider applying for a new credit card as an alternative.

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