How to increase your Discover credit limit

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 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.

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.

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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 all 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)	Apply now View details	Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees	Compare	loading Fetching your data...
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	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	loading Fetching your data...

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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.

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.

Frequently asked questions

• Can requesting a credit limit increase affect my credit score?

  Yes. If Discover makes a hard pull on your credit, you will notice your credit score drop for a few points. But if approved, a higher credit line will lower your utilization rate across all cards, and this will positively affect your score.

• When should I request a credit limit increase?

  This depends on your personal and financial situation but in general, request an increase when you:

  • Meet the eligibility requirements.
  • Have a higher credit score than when you applied for the card.
  • Have an increase in your income.
  • Plan to close another card and you don’t want your utilization rate to increase.

• If approved for a credit limit increase, when will I receive it?

  Often, you’ll get the credit limit increase as soon as you’re approved.