You could raise your credit score while improving your spending power by getting a higher credit limit. If you have a Discover card, read on to learn how to ask Discover to raise your credit limit.
Discover says that it makes credit decisions on a case-by-case basis, so it does not have any specific requirements it has published for qualifying for an increase. You can try a few things that should make Discover more likely to grant your request, though. You shouldn't make the request within six months of opening your account, or within six months of your previous request for a credit increase. While you wait, you should use your credit card frequently, or Discover may not see a reason to offer you more. You should also always pay your bill on time. All of your payments should be above the minimum amount. Taking these steps will show Discover you are responsible with your finances in general and your credit in particular.
Before you make your request, you need to decide what kind of increase you will ask for. Asking for too much is very likely to get you turned down. Requesting something small, say between 10% and 20%, seems much more reasonable and is more likely to get approved.
To request a credit increase, follow these directions:
Instead of filling out the form online, you can make your request by calling a Discover customer support representative. This option gives you the chance to discuss your credit limit, what may be possible, and why you deserve it.
To make your credit limit increase request, or for any other kind of help, you can contact a Discover representative by phone, chat room, or help forum.
After thousands of Discover customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Increase My Credit Limit on My Discover Card? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Discover if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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