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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: Marcos Homem/Getty Images May 13, 2021 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library. In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor. Antonio Ruiz-Camacho is senior director of content for and . He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Your credit limit is a major factor in your credit health. If you use your credit cards responsibly, you are often rewarded with higher credit limits and more purchasing power. If you’re stuck with low credit limits, you might not have the ability to make as many purchases, earn as many rewards or use your available credit to boost your credit score. Many of regularly offer credit limit increases—but if you haven’t received a credit limit increase in a while, you can always request one. Knowing how to increase your credit limit gives you the ability to fund major expenses, and cash back on those purchases and . If you have a , you can request a credit limit increase online or over the phone. There is no stated Discover card maximum credit limit, which means you can always ask for a little bit more—but when should you ask for a credit increase with Discover, and how much credit should you ask for? Let’s take a look at everything you need to know about requesting a Discover credit limit increase, including what you should do before you make your request and what you should do if your Discover credit limit increase request is denied. Before you apply for a credit increase
When should you apply for a credit increase? Many people ask for a credit increase if they are planning to make a big purchase or are hoping to use their credit limit increase to boost their credit score. That said, it’s a good idea to time your credit limit increase request with an increase in your financial stability. If you have recently increased your income or improved your credit score, for example, you might be more likely to see your credit limit increase request accepted. Discover wants to know that you will be able to handle your new credit limit responsibly and won’t use it to run up a bunch of debt that you can’t pay off. Also, be aware of ways that a before you apply. Here are three questions to ask yourself before you request a Discover credit limit increase: What is your current credit limit
Before you request a credit line increase with Discover, it’s a good idea to know your current credit limit. That way, you know how much credit Discover has already issued to your credit card and how much of that credit you’re currently using. Log in to your Discover online account or Discover Mobile App to view your credit limit, which should appear at the top of the screen. How much credit do you want
Once you know your credit limit, ask yourself how much credit you want. Increasing your available credit can boost your credit score and improve your purchasing power, so you might be tempted to ask for a large amount of credit at once—but don’t make a request that’s so large it’s likely to be declined. If you have a $5,000 credit limit, it’s better to request an increase to $6,000 than it is to request an increase to $10,000. Keep in mind you may not even get to suggest a number. When you apply for a Discover credit limit increase online, for example, Discover will determine how much of a credit line increase to offer you. To give you an idea, you can compare your credit report at the time you were given the original credit limit to your current credit report. Your credit is a major factor in how issuers determine your credit limit when you apply for a card. Are you eligible for an increase
According to Discover, the three best times to request a credit limit increase are: When your credit score is strong When you have demonstrated good repayment behavior with the card issuer When your income increases If you meet at least one of the criteria on Discover’s list, you might be eligible for a Discover credit limit increase. Three ways to increase your credit limit with Discover
Requesting a credit limit increase on your Discover credit card is one way to increase your credit limit with Discover, but it isn’t your only option. Here are additional three ways to increase your credit limit: Apply for a new Discover card
If you want to increase your available credit with Discover, you don’t necessarily have to request a credit limit increase on an existing Discover credit card—you can also apply for a new Discover credit card. Taking out a new Discover card gives you an additional line of credit, which can help you increase your total available credit and potentially boost your credit score. A new Discover card can also help you access additional credit card rewards. If you have the , for example, you might want to consider applying for the . That way, you can earn and travel rewards on your purchases. Request a credit limit increase
If you want to request a credit limit increase with Discover, you can call the number on the back of your or log into your online account or Discover app. If you are requesting a Discover credit limit increase online, select “Manage” followed by “Credit Limit Increase.” If you are using the Discover app, select “Services” followed by “Credit Limit Increase.” Be prepared to provide your total annual gross income as well as your monthly housing/rent payment. If you are contacting Discover customer service by phone, you may also be asked why you want Discover to increase your credit limit—so make sure you have an answer ready. A Discover credit limit increase request might involve a hard credit inquiry, which could drop your credit score by a few points, but Discover will only proceed with that part of the application after receiving your consent. Look out for an automatic credit limit increase
Discover may automatically increase your credit limit depending on your account history and creditworthiness. If you consistently make on-time payments on your Discover card account, for example, you might be more likely to receive an automatic credit limit increase than someone who regularly misses payments. If you want an automatic credit limit increase from Discover, do your best to practice good credit habits and keep your credit score as high as possible. How long does a Discover credit line increase take
While there isn’t an official statement on how long a Discover credit line increase takes, many credit line increase requests are implemented as soon as the request is approved. In other words, if you request a Discover credit limit increase and get approved, your new credit limit could take effect that same day. In most cases, a credit line increase request will be accepted or denied within minutes. In some cases, it may take a few days to learn whether or not your credit limit request will be approved (and you may have to answer additional questions about your finances before Discover can make the final decision). What to do if your Discover request is denied
If your Discover credit limit increase request is denied, it’s a good idea to wait before requesting another credit limit increase. In fact, Discover suggests waiting several months before submitting a new request and to consider holding your next credit line increase request until after your credit score, payment history or income have improved. That said, your creditworthiness might not be the primary reason why your credit line increase request was denied. Many credit issuers during economic downturns, for example, making it harder for individual cardholders to access higher credit limits. If Discover does not accept your credit limit increase request, here are a few options to consider: Increase your income
Discover is more likely to if you can prove that your income has gone up. It might be time for you to ask for a raise, take on a side hustle or start hunting for a new job. After you’ve increased your income, make sure to update your Discover account with your new gross annual earnings. If you’re logging into Discover through a web browser, select “Profile,” “Edit Account Profile” and “Edit Income and Housing Info.” If you’re using the Discover app, select “More,” “Profile” and “Income and Housing Information.” Once your income information is updated, you might be ready to request another credit line increase—or Discover might increase your credit limit automatically. Improve your credit score
Discover is also more likely to increase your credit limit if your credit score improves, so start doing the work to build your credit. If you want to as quickly as possible, focus on making on-time payments on all of your credit accounts and paying down your outstanding debt. Since your payment history makes up 35 percent of your credit score and your makes up 30 percent, making on-time payments and paying off your credit card balances can give your credit score a significant boost. Consider a balance transfer
One of the best ways to pay off outstanding credit card balances is through a balance transfer. The balance transfer process allows you to transfer your credit card debt onto a single, which can help you consolidate your debt into a single monthly payment. Plus, many of the top balance transfer on balance transfers for up to 18 months, giving you over a year to pay off your transferred balance without added interest. Apply for a credit card from a different issuer
There’s one more way to increase the amount of credit available to you and that’s by applying for a credit card from a different issuer. Instead of requesting another Discover credit line increase or applying for a new Discover card, you might want to consider a credit card from American Express, Citi, Chase or Capital One. Credit card issuers have different methods of setting credit card limits, and you might be able to get the credit you need by applying for a credit card that isn’t issued by Discover. If you already have a credit card issued by another major lender, that issuer may also be more likely to grant your next credit limit increase request. Responsibly using a will also help your credit score and make it more likely you’ll be approved for an increase over time. Ultimately, your ability to successfully request a credit limit increase—whether from Discover or another issuer—all comes down to your ability to manage your credit accounts responsibly. If your credit habits aren’t great, you’re probably going to have a harder time increasing your credit limits. If you practice good credit habits, credit card issuers are likely to reward you with additional credit. SHARE: Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library. In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor. Antonio Ruiz-Camacho is senior director of content for and . He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration. Related Articles