topic Re: What's the highest limit you've had with discover? in Credit Cards

What's the highest limit you've had with discover?

purebulldogs — Fri, 19 Aug 2022 00:55:08 GMT

Thinking of applying and curious if they give out decent limits these days or are they more on the conservative end?

Re: What's the highest limit you've had with discover?

creditgnome — Fri, 19 Aug 2022 01:08:02 GMT

hell yea they do if u can pass the 4506t!

seen 20k limits off the bat.

Re: What's the highest limit you've had with discover?

Aim_High — Fri, 19 Aug 2022 17:14:24 GMT

Highest Discovercard limit I've had? $52,000.

And that's not even among the top-ten highest I found on My Fico after I broke $50K.

Of course, like with many lenders, limits like that often take a lot of time and/or spending and a profile that supports it. My card was opened in 1993 and it didn't grow anywhere near that high until the past few years. From my experience, Discover cards start moderate relative-to-profile so if your other cards are in the $3K to $8K range, for example, you'd probably merit something in the middle of that ballpark as long as other credit factors are in-order such as inquiries, new accounts, derogs, income, debts, and FICO. Discover also will grow more easily than some other cards with less spending. Sure, they like to see some utilization but it doesn't seem to have to hit very high usage to grow. They tend to reward loyalty and longevity IMO.

Re: What's the highest limit you've had with discover?

dlister70 — Fri, 19 Aug 2022 01:54:24 GMT

When I started getting back into credit cards after having to join a consumer credit organization to pay off my old credit cards (twice), the Discover It card was one of the first that I applied for. They gave me a $10,000 limit off the bat, when my highest card ever had previously been $3000 I think?

It's now up to $27,500 limit after several CLIs, and combining a second Discover It limit a couple times.

They turned me down for the last CLI that I asked for I think a couple years ago? I stopped asking for CLIs because I was afraid that I'd get on some kind of financial review! It's still my highest card limit.

Re: What's the highest limit you've had with discover?

learningcredit54 — Fri, 19 Aug 2022 03:08:15 GMT

I got an 8k SL a few months back and I JUST came out of rebuilding. They are currently my highest line.

Re: What's the highest limit you've had with discover?

805orbust — Fri, 19 Aug 2022 03:26:52 GMT

I can't with them. I've had my IT for almost 7 years and it was at $1200 until a year ago when I threatened to axe it once I got my FF. Suddenly I got an increase to $6300. And a few months ago I got another $500. I have about $1k of autopsy stuff on there every month and they treat me like that crazy cousin no one wants to talk about. Hate keeping all my eggs in one basket tho so... 🤬

Re: What's the highest limit you've had with discover?

805orbust — Fri, 19 Aug 2022 03:32:27 GMT

Good Lord, not autopsy, AUTOPAY!! And when I say I threatened them... it was all happening within my brain 🤣

Re: What's the highest limit you've had with discover?

Kennie02 — Fri, 19 Aug 2022 03:45:21 GMT

@purebulldogs wrote:
Thinking of applying and curious if they give out decent limits these days or are they more on the conservative end?

Discover gave me a low SL ( $1k) about 6 years ago but DH applied recently and got $8k. He just got an extra $1k CLI last month. I'm not sure if you meant double digits but that's been my experience.

Re: What's the highest limit you've had with discover?

wasCB14 — Fri, 19 Aug 2022 04:01:10 GMT

After 8 years, $3k.

Joint account (so a CLI request takes a long phone call) and not a lot of spend.

Re: What's the highest limit you've had with discover?

Anonymous — Fri, 19 Aug 2022 04:12:53 GMT

@wasCB14 wrote:
After 8 years, $3k.

Joint account (so a CLI request takes a long phone call) and not a lot of spend.

same amount as my SL about 10 month into my credit card journey. Disco gave me my highest SL by the way(and am using a lot right now for 5% restaurant quarter!)

Re: What's the highest limit you've had with discover?

SUPERSQUID — Fri, 19 Aug 2022 05:16:42 GMT

On my rebuild Discover was my first good card 3k sl 1 1/2 years post bk7 dc. at 9 months they denied my cli request. at 13 months post they gave me card number 2 at 6k sl

Re: What's the highest limit you've had with discover?

maxchurn — Fri, 19 Aug 2022 05:59:40 GMT

They started me at 11K a year ago, i'm at 18K now.

Re: What's the highest limit you've had with discover?

AwsiDooger — Fri, 19 Aug 2022 06:27:18 GMT

Currently $21,000. I believe that is my second highest, behind a Capital One card.

As I've mentioned, I'm greeted with wild variation from one company to the next, based on my gambling background/income and no credit history until into my 40s. I've been with Discover for 8 years. For whatever reason they started me relatively high, somewhere in the $8000 range, then continued to add to it.

Right now they are badgering me with a balance transfer offer. One mailer and email after another. I always get a credit limit boost after paying them off. It's been a few years since I used one on Discover. Their system must be going on tilt wondering why I stopped. I used several back to back before halting.

Re: What's the highest limit you've had with discover?

SSMac — Fri, 19 Aug 2022 07:19:58 GMT

$6k, about average for my profile. Not a super high income, spend or util. Just got some CLIs and other higher limit cards, I'm optimistic that once those have aged a bit and I give Disco a little love they'll bump me up a bit more

Re: What's the highest limit you've had with discover?

cws-21 — Fri, 19 Aug 2022 13:42:05 GMT

My wife, just this week, got a credit limit increase that brought her Discover It card to $34,000.

Re: What's the highest limit you've had with discover?

shane1978 — Fri, 19 Aug 2022 23:37:14 GMT

I'm currently at $44,300. Started back in 2006 with $700. Been a long road.

Re: What's the highest limit you've had with discover?

Legal_Girl — Sat, 20 Aug 2022 04:21:32 GMT

Discover IT = $20,500 & Discover IT Chrome $13,000 currently.

Re: What's the highest limit you've had with discover?

MarkintheHV — Thu, 25 Aug 2022 23:29:09 GMT

5k with no CLI....Discover hates me

Re: What's the highest limit you've had with discover?

CashOutReFi — Fri, 26 Aug 2022 03:24:16 GMT

Personally, $5,400.

A family member had a limit of $10k back in the mid-2000's.

Unfortunately these are all the data points I've actually witnessed firsthand.

Re: What's the highest limit you've had with discover?

blossom_rebuilding — Fri, 26 Aug 2022 15:14:55 GMT

Current Discover limit high is $24,000. Started at $5,500 around 2017. Auto increases were more frequent earlier on, but they've also been pretty generous when I hit the luv button. This card has always been one of my highest limit cards (goes back and forth with PNC Core; they're tied at the moment), probably because it's my daily driver most of the time. It gets lots of swipes that they likely want to keep coming.