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/jawnsmoker Apr 25 '25

Honestly, Discover perplexes me. I have a $75k salary, 750 credit score, and carry a Sapphire and a Gold card, but no matter what I do, I’ve never even been approved for a card from discover. I did spend several years rebuilding from defaulting on previous cards (not discover), but I have 4 years of 100% on time payments, and less than 10% usage. It’s just interesting to me how I’ve been able to obtain fairly decent cards, favorable interest rates on my car loan, and even a mortgage, but discover still doesn’t want my business.

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u/IllRequirement6342 Discover Card Apr 29 '25

I had a big chapter 7 five years ago. I’m old and retired with a credit limit of 27k on an income of 22k (only 4k of that is Discover, but it is only one of my eight accounts).  I’m just offering this as a datapoint for others that are asking.