How Do I Increase My Credit Limit on My Discover Card?
If you have had your Discover credit card for six months or more, you can request a credit limit increase. Before you make the request, you should demonstrate a history of paying your Discover bills on time and paying more than the minimum amount. You can make this request by filling out an online form or contacting a Discover customer service representative.
You could raise your credit score while improving your spending power by getting a higher credit limit. If you have a Discover card, read on to learn how to ask Discover to raise your credit limit.
Before Making the Request
Discover says that it makes credit decisions on a case-by-case basis, so it does not have any specific requirements it has published for qualifying for an increase. You can try a few things that should make Discover more likely to grant your request, though. You shouldn't make the request within six months of opening your account, or within six months of your previous request for a credit increase. While you wait, you should use your credit card frequently, or Discover may not see a reason to offer you more. You should also always pay your bill on time. All of your payments should be above the minimum amount. Taking these steps will show Discover you are responsible with your finances in general and your credit in particular.
Increasing Your Discover Card Limit
Before you make your request, you need to decide what kind of increase you will ask for. Asking for too much is very likely to get you turned down. Requesting something small, say between 10% and 20%, seems much more reasonable and is more likely to get approved.
To request a credit increase, follow these directions:
- Go to Discover's web page.
- Sign in to your Discover account.
- Click on Manage in the menu at the top of the page.
- Click on Credit Line Increase under the Credit Options header.
- Enter your annual gross income in the upper text field.
- Enter your employer's name in the middle text field.
- Enter your monthly housing or rent payment in the lower text field.
- Click on Submit. Discover will contact you when it has made its decision.
Instead of filling out the form online, you can make your request by calling a Discover customer support representative. This option gives you the chance to discuss your credit limit, what may be possible, and why you deserve it.
Contacting Discover
To make your credit limit increase request, or for any other kind of help, you can contact a Discover representative by phone, chat room, or help forum.
Further questions?
Solutions to similar problems
Why does GetHuman Write How-to Guides for Discover Problems?
GetHuman has been working for over 10 years on sourcing information about big organizations like Discover in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Increase My Credit Limit on My Discover Card? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.