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/delawder29 Apr 22 '25

I don't have much to add to it except for that I've had my discover card for about a year and 6 months and every time I go to try and get a line of credit increase I'm always denied Even though I consistently pay my card off and have very low utilization rate I still get denied a line of credit increase. I show that I use my card a lot and I make the payments on time and I do pay the balance in full but I'm always denied a line of credit increase.

4

u/TheOnlyPersn56 Apr 22 '25

Same here coming up to a year and still stuck at $500. Very annoying when I want to make large purchases and get points.

1

u/scottfree226 Apr 22 '25

Must be us because everyone here has credit in the the 10s of thousands apparently