Credit limits on Discover vs. other issuers

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Postby requiredfield » Mon Nov 28, 2011 7:28 pm

I recall reading that they have a 25k limit. I have two of thier cards and a very long history (`99, my second card ever), with a combined limit of 22300.

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Postby FutureBillionaire » Wed Nov 30, 2011 2:23 pm

The limits on my cards aren't nearly that high.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby MShawCT » Thu Mar 01, 2012 3:07 pm

In 2009, I applied for the Discover More card and was given an 8K limit. I consistently put 2,500-5,000 on the card each month (paying down the balance in full multiple times a month to keep utilization down). I called a few times in 2010 and spoke to a representative and asked for a CLI. They wouldn’t give one to me based on my usage…said they would need to do an inquiry. I always said no thank you. At the beginning of 2012 I called and used the automated service. When the system asked why I was requesting an increase, I selected “Balance Transfer”. I requested a 2k increase and was approved.

New credit limit is 10K.

I read somewhere that they were more likely to give you an increase if your thinking about a balance trans. I don’t know if that’s true, but it seems to have worked for me. There is also nothing that requires me to now make a balance transfer.

AMEX Platinum
AMEX Blue Cash Preferred (16K)
Discover More (14K)
BankAmericard Platinum Plus Visa (15k)

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Postby randeman » Sat Mar 03, 2012 10:15 am

Discover actually asked me if I was "okay" with the credit limit that they offered when I was approved. That may have been something they do for everyone that talks to them when they apply, but since the limit was three times higher than any other card I had at the time, I was "okay" with it. :cool:
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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Postby cc_is_cash » Sat Mar 03, 2012 8:30 pm

I have had my Discover card for too long to remember my initial credit line. I think it has been $15K for at least 10 years. But I imagine that since the 2008 financial collapse, they might be a little more stingy with credit lines.

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Postby gsd2004 » Tue Mar 13, 2012 12:11 am

Opened my card in 2006 with Discover. It is a open road card. The gave me a $5000 limit, it is now $7500.

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Postby bmw1990Z » Tue Apr 03, 2012 10:43 pm

maybe its how discover was formed?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

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Postby andy1088 » Wed Apr 04, 2012 6:31 am

To be honest Discover gave me a good credit line. I have a $500 with Cap1 (yuck if anything they give the worst credit lines), 1K with Citi and 1K with Discover. Also only got $500 with chase for a freedom which is half of what Discover gave me and I bank with them!
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

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Postby bmw1990Z » Wed Apr 04, 2012 11:46 am

Do you think you would do better by applying for a regular discover instead of a student discover?
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

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Postby hematino » Tue May 15, 2012 1:46 pm

I opened my Discover More account July 2011, and they gave me a credit limit of $1000, and that's where it still stands. I pay in full every month, and I've run it up to a max of $900 or so around Christmas last year.

I love my Discover Card and their customer service is great, but it unfortunately does have the lowest CL of my cards. I'd love to try for an increase, but for me it isn't really worth a hard pull, i'd rather open another rewards card to take advantage of, haha.
Now she's eyeless.
The snakes she held once
Eat up her hands.

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