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  1. #1
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    Default Discover Card Credit Limit Increase

    I was just on Discover's website and asked for a credit limit increase, in just a few seconds they approved my request, but it was a couple of hundred dollars less than what I had asked for.

    My main question is how long should I wait to ask Discover for another credit line increase, the standard 6 months? My credit scores are all above 700. Thanks!
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  2. #2
    Centurion Member jumbo's Avatar
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    I don't know the answer to your question, but here is what my saying is:

    I was approved for discover in 2010 for $500 on my second year in college and every three months they increased my limit with $250 automatically. Now its $1500, its been almost 6 months they have not increased my limit automatically.

    So, if possible, can you please clarify how long you have the discover account, what your limits are and how much you got your limit increased for. It might help some of the readers of this forum to get a CLI.
    Thanks.
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  3. #3
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    Discover automatically reassesses accounts every 6 months. If its been at least that long without an increase you can ask for one. When they checked my CR for a CL increase it was a soft pull.

    They are known for giving low CLs and don't be surprised if the CL increase is a few hundred.
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  4. Green Member
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    As long as I've had my Discover which is since about 2001, they've only given me ONE $300 increase. But this afternoon they gave me an almost 40% increase in the amount of $500 ( I was asking for $700) They gave me an option to accept the $500 or proceed on for a Hard Pull to see if I could get the $700. I decided to stick with the $500. Maybe in 6 months I will give it another try.
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  5. #5
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    Call and ask for a credit analyst. And then ask if they can take a look to see If they can approve your request for the slightly higher CLI. Shouldn't be an issue if you are asking for a slightly higher CLI. And when u ask for an analyst, tell the account manager you have already applied for the CLI just so they don't pull credit twice.
    American Express Zync.
    Discover IT. 4.5k limit 7.99%
    MC Citi diamond preferred. 1500 limit
    Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
    •Miles by discover 1.5k limit.7.99%
    •Best buy store card. 1500 limit
    •Mt. America visa 1k limit
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  6. #6
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    I have heard of people informing Discover that they had planned to process a balance transfer but needed a higher credit line in order to do so and Discover gave a higher credit line.
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  7. #7
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    LOL that's actually how my credit is my highest line I have. Totally worked. But I was denied at first... So don't lose hope.
    American Express Zync.
    Discover IT. 4.5k limit 7.99%
    MC Citi diamond preferred. 1500 limit
    Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
    •Miles by discover 1.5k limit.7.99%
    •Best buy store card. 1500 limit
    •Mt. America visa 1k limit
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  8. ksy
    ksy is offline
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    Applied online in May and was given the call 800 error I did so and was denied after a few questions. This morning at 2am I get an email about my new credit limit they raised it 1000.00 very strange but it is what it is i guess.
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  9. #9
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    My initial (Nov 11) line was $8k; I only used it until I hit the $1500 spend for the bonus CB and then sock drawered it. Sometime later I noticed I received a auto CLI to $9500. I used it again in Dec 12 to buy a new MacBook and haven't used it since. In May I converted to a IT card and requested a lower APR and was approved.
    American Express: Platinum (2006) Blue Cash Preferred (2013)
    Chase: Sapphire Preferred Visa (2013) Marriott Rewards Premier Visa (2010)
    USAA: World MC (2011) American Express (2013)
    Discover it (2011)
    Bank of Hawaii Hawaiian Airlines World Elite MC (2008)
    Navy Federal Credit Union Platinum Visa (2013)
    Citi Executive / AAdvantage World Elite MC (2014)
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  10. #10
    Centurion Member bisbicos's Avatar
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    Default

    sweet, I just called Discover and asked for a CLI. They increased me from 4750 to 7500 with no hard pull. I love Discover
    Credit Cards
    American Express: Fidelity Rewards (2% cash back) 9.5k
    Zync NPSL
    Discover: Discover More (5% rotating categories) 7.5k
    Mastercard: Chase Freedom (5% rotating categories) 3.1k
    Visa: Citi Forward (5x pts on restaurants) 13.8k
    Citi Dividend (5% rotating categories) 5.6k
    Capital One Journey (1.25% cash back) 1.25k
    BofA AAA (5% on gas) 2.5k
    PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

    Future Cards
    US Bank Cash +
    Chase Ink
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