What's the starting credit limit for the Discover Business credit card?

Discover it credit card limits can be as low as $200 or $500, depending on the card. The available Discover it cards include offers for people with good and bad credit alike. Each has a specified minimum credit limit. So, you’re guaranteed of getting at least that much spending power if approved for an account. But there’s no way to determine whether you’ll qualify for a higher limit prior to submitting an application. Some Discover offers listed on this page are not currently available on WalletHub and may be out of date.... read full answer

Here are the minimum Discover it credit card limits:

• Discover it® Cash Back: $500
• Discover it® Miles: $500
• Discover it® chrome: $500
• NHL® Discover it®: $500
• Discover it® Student Cash Back: $500
• Discover it® Student chrome: $500
• Discover it® Secured Credit Card: $200

Those are just starting points, however. If Discover determines that you’re a responsible borrower with enough income to support a higher limit, you may just get one. And they’ll make that determination by considering a fairly short list of key financial indicators. Your credit limit will ultimately be decided based on several things, like your credit history income and existing debt obligations. In other words, they’ll grand you as much spending power as they think you can handle responsibly. You can find out more by reading WalletHub’s article on how credit limits are determined.

You can get a Discover credit card credit limit increase online or over the phone. The process is a bit different, though, depending on the card you own.

For Discover’s unsecured cards you can request a credit limit increase if your account has been open for at least 6 months. From your online banking account go to the “Manage” tab, then select “Credit Limit Increase”. You can also call ... read full answer(800) 347-2683 to request a higher credit limit.

For the Discover it® Secured Credit Card, a credit limit increase means adding to your security deposit. You can send your request for an increase by signing in to your online banking account, or by calling customer service at (800) 347-2683.

The issuer will also periodically review your account to see if you’re eligible for an increase. You can improve the odds of this happening by always paying your bills on time and in full, as well as by boosting your credit score and income.

Discover’s automatic credit limit increases usually result in a soft pull. But, if you request an increase the issuer might ask for your permission to do a hard pull.