6 Expert Tips → How to Increase Credit Limit (Discover)

6 Expert Tips → How to Increase Credit Limit (Discover)

credit card advice

Ashley Dull
By: Ashley Dull
Posted: February 10, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

As with any credit card issuer, Discover offers several ways for cardholders to request a credit limit increase on their card accounts. Here are all the options you’ll need:

Call or Login Online  |  Choose a New Card  |  6 Tips from Experts

1. Reach a Discover Credit Analyst by Phone or Online

1. To request an increase over the phone, call 1-800-347-2683.

2. To do it online, log in to your account.

Request a credit limit increase through Discover’s online account center.

If you don’t have an online account yet, click the orange “Register” button. You’ll need your credit card number and the expiration date, date of birth, and the last four digits of your social security number.

2. Choose a New Discover Card

It’s possible you have a low initial credit limit with Discover because of your credit history. But now that you’ve been a Discover customer for some time now, it may be advantageous to get a new card altogether. Discover has many great cards that offer 0 percent intro APRs, cash back and sizable credit limits.

Discover it® Cashback Match™ Review

at Discover'ssecure website

BEST OVERALL RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
14 months
0%
14 months
11.24% - 23.24% Variable
$0
Excellent/Good
Discover it® 18 Month Balance Transfer Offer Review

at Discover'ssecure website

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Our Take: "With a ridiculously good deal on balance transfers, low APR's, and a generous cash-back program, we can see why this card is so popular.
  • 0% intro APR on balance transfers for 18 months
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
6 months
0%
18 months
11.24% - 23.24% Variable
$0
Excellent/Good
Discover it® chrome Review

at Discover'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Our Take: "What's not to love? Great intro rates, low ongoing APR, cash-back rewards, and great customer service make this card a solid choice
  • 2% cash back at gas stations and restaurants, up to $1,000 per quarter
  • 1% cash back on all your other purchases, with no limits
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
14 months
0%
14 months
11.24% - 23.24% Variable
$0
Excellent/Good
Discover it® Miles – Unlimited 1.5x Rewards Card Review

at Discover'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Our Take: "If you're looking for a card that gives you air miles, your search is over. This card helps you earn free flights with multiple airlines, awards very generous bonuses, and offers a low APR to boot.
  • Earn unlimited 1.5x Miles on every dollar spent
  • Cover travel costs by redeeming the miles in any amount for a statement credit
  • Fly any airline, any time
  • No blackout dates
  • At the end of your first year, the card automatically matches the miles you've earned (only for new cardmembers)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
14 months
10.99%
14 months
11.24% - 23.24% Variable
$0
Excellent/Good

+ See more Discover credit card offers

3. Read the “6 Expert Tips” for Increasing Limits

If you decide to reach out to Discover by phone, you’ll want to ready this first:

This article covers the six tips you’ll need for increasing your chances of approval. Learn what to say and what not to say to the credit analyst, the information you’ll need ready, what to expect, and more. Now go get ’em!

Photo credits: Discover.com