Paddy Sullivan, Member
@PaddySully
There are two ways to get a Discover Secured Card credit increase: 1) add money to your security deposit or 2) graduate to an unsecured card after consistent on-time payments. But depositing more money is certainly the easier and more immediate way to get a Discover Secured Card limit increase. You’re unlikely to graduate to an unsecured card (i.e. get your deposit back) for at least 7 months.
You can find more info on both options below, starting with the more accessible of the two.
Here’s how to get a Discover Secured Card credit limit increase:
1. Add to Your Deposit – Discover it Secured’s deposit can be as little as $200 or as much as $2,500. And your spending limit will equal whatever you put down. So if you deposited less than $2,500 at the start, adding to you security deposit will result in a credit limit increase. Specifically, your limit will increase by the amount you add.To deposit additional funds, you’ll need to log in to your Discover account or call Discover customer service at 1-800-347-2683. Bear in mind it’s possible that Discover could deny your deposit if you haven’t been paying on time.
2. Pay On Time for 7+ Months – Starting 8 months into your account, Discover will take a basic look at your credit and payment history. If they like that they see, Discover may choose to graduate you to an unsecured card. If that happens, they’ll return your security deposit and you’ll have an equal or higher unsecured credit limit.Exactly how high that credit limit will be depends on Discover’s evaluation of your credit. And if a year has gone by and you’ve been consistently paying on time but haven’t been contacted by Discover, there’s no harm in calling them up and inquiring about graduation.
Finally, you can always apply for another card from a different issuer. Your credit line will be separate, but you’ll have a higher amount of total credit.

Discover it® Secured Credit Card
Chris Parson, Member
@chris_parson
Yes, to increase your credit limit for a secured credit card, you have to deposit more money. But you can also ask to get upgraded to an unsecured credit card if you have at least 6 months of paying your bills on time.
akerleyc, Member
@akerleyc
i have had my secured card for 7 months now and i deposited $200.00 at the time of Credit Card Opening, well they have graduated me to a Unsecured Card, and have increased my Credit LImit to $2,000!!!! Which is Awesome and i didnt even call or ask them to, it just happened

Charisse
@cre8tivecb
Did you have a descent credit score when you received the increase?
People also ask
Roy Cox, Member
@optic42002
my limit had never gone up at all even after consitent perfect payments
Jesse Mann, Member
@jessem_162
Yes it says to call them with your banking information
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Todd Briggs @todd_briggs
That's usually how it goes for any secured card, but if you've been keeping up with your bills for at least 7 months, you might get bumped to unsecured.