topic Combining 2 Discover IT cards in Credit Cards

Combining 2 Discover IT cards

Sbrav77 — Sat, 30 Oct 2021 16:51:12 GMT

I have seen that people have been able to combine 2 Discover cards together to make one card with the credit limits combined. Is this something they still do? If you are in a 14 month interest free, 12 month cash back match promo, do you lose that if you combine the cards together? I have one card with a $12,000 limit and a second new card with an $8,000 limit. Would I be able to combine these to make one $20,000 limit card?

Re: Combining 2 Discover IT cards

kilroy8 — Sat, 30 Oct 2021 17:13:02 GMT

The most recent rules I know of are:

Both have to be more than a year old.

One has to have a zero balance.

One has to be eligible for CLI.

That said, when the Discover cards hit $20K, a 4506-T request is common shortly after, and even CLD. I would just keep them both and get twice the cashback fun each quarter.

Re: Combining 2 Discover IT cards

NoMoreE46 — Sat, 30 Oct 2021 21:01:06 GMT

@Sbrav77 ,

I combined my two in September to $20,500. The newer card was less than 12 months old. I was able to keep the promos on the newer card. No income verification needed, but YMMV.

Here is my post:

Was able to combine my Discover credit lines - myFICO® Forums - 6404344

Re: Combining 2 Discover IT cards

dbjohnson039 — Sat, 30 Oct 2021 22:15:12 GMT

@NoMoreE46 - I've asked Discover to do this several times and they always tell me I cannot do it. Is there a specific way to ask them to combine my Discover It cards? I've had one since 2017 and one since 2019,

Re: Combining 2 Discover IT cards

Aim_High — Sat, 30 Oct 2021 22:48:31 GMT

@kilroy8 wrote:
The most recent rules I know of are:

Both have to be more than a year old.
One has to have a zero balance.
One has to be eligible for CLI.

That said, when the Discover cards hit $20K, a 4506-T request is common shortly after, and even CLD. I would just keep them both and get twice the cashback fun each quarter.

Ditto on what I've heard on the rules.

I'm not familiar with Discover asking for a 4506-T or commonly decreasing credit limits. My card has grown to $50K over 28 years and that's without any financial documentation requested. That was also without any account consolidation. The largest balance was about $14,500 several years ago on a balance transfer offer, and that was about 90-95% utilization of the existing CL. My $50K limit seems to be my personal cap without heavier spending on the card. In recent years, it's just gotten light usage from the 5% categories and obviously I don't come close to using $50K.

By the way, I had a bright idea two years ago since I knew they allowed account combination and thought I would ask for a Discover IT MILES card, get a decent approval, and later combine the limits after taking advantage of effectively 3% for one year. Discover had other ideas and gave me a low $1K toy limit approval, even with me having a $50K card with them. (See this approval link. ) I knew I could probably grow it but didn't want to put the effort into it and just closed it. DW applied and even with lower reported scores and income got a $9K approval. She added me as AU on year one for the card but I've since removed myself.