Evelyn Boros, Credit Cards Moderator
@evelyn_boros
You can get a Discover credit card credit limit increase online, through the mobile app, 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 anytime. However, your odds are best if your account has been open for at least 6 months before making a request. From your online banking account or mobile app, go to the “Manage” tab, then select “Credit Limit Increase”. You can also call (800) 347-2683 to request a higher credit limit.
For the Discover it® Secured Credit Card, you won't be able to get a credit limit increase. The credit limit won't change until the account is upgraded to an unsecured limit.
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 credit limit increases usually result in a soft pull, regardless if you’re received one automatically or if you made a request.
Popular Credit Cards from Discover, Our Partner
People also ask
Does Discover automatically increases credit limit?
No, you cannot customize any discover credit cards currently available to new applicants. Each discover credit card offers a single design for everyone who is approved, and you can’t change the design later on.
You can compare the different card options from discover to see which designs appeal to you the most. Or if you’re not tied to discover, there are customizable credit cards out there that may be worth looking into.
read full answer by Stephanie Vann, MemberHow often can you request a credit line increase?
You can request a credit line increase every six months, generally. Some issuers allow requests more often, but your chances of being approved for an increase are best if you wait at least six months from when you opened your account or last requested a higher limit.
If you request an increase right after being approved for a new card, it’s unlikely that anything will have changed since the issuer made its initial decision about your credit limit....
read full answer by WalletHub, Financial CompanyDoes requesting a credit limit increase hurt your score?
Requesting a credit limit increase can hurt your score, but only in the short term. If you ask for a higher credit limit, most issuers will do a hard “pull,” or “hard inquiry,” of your credit history. A hard inquiry will temporarily lower your credit score. Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. American Express, Capital One and Wells Fargo will not. Citi will...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
So, you should not ask for an increase, until after you have had the card for 12 months?