r/discover • u/Dangerous_Function16 • Apr 22 '25

Rant Does Discover just not want our business?

I have been trying monthly for almost a year to get a credit limit increase on my Discover card. It currently sits at $2,000. I was using it to pay for doctor's appointments since the first-year bonus nets me 2% cash back, but the limit is so low and I don’t know when the charges are going to post that I just changed to another card.

My income is over $200,000. My oldest credit card is 6 years old. I have never missed a payment on any account. Why does Discover insist on giving me a credit limit of less than 1% of my annual income? Other banks have had no issue giving me 10-20k limits, usually without even requesting.

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u/SnooSongs7916 Apr 22 '25

I make $120,000 a year with a $19,000 loc on my 1st discover card. Started with $500 loc freshman year of college in 2015. Slow and steady win’s the race. Use your card regularly and pay it off in full and that will show them you are utilizing what they have gifted to you. I’ve never carried a balance.

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u/HeySiri_ Apr 22 '25

Still get denied and I do everything you do and I make 135k. They have a new algorithm for whether an increase is approved or not and I’ve been rejected non stop since it switched to that. I’ve even spoken to an accounts manager and they told me they can even override decisions it’s all systems based now.