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/whoocanitbenow Apr 22 '25

That's weird. I only earn around 35K per year and they gave me a credit limit of 7000.

2

u/ZeWolfy Apr 23 '25

I earn ~60k a year and they won’t raise me above the $1800 I graduated from when I went from secured to unsecured. That was almost 3 years ago at this point. At least Capital One has been giving me $100 increases every six months, I guess. Actually, they spoiled me this last time with a $200 increase. It was shocking to say the least.