Combining 2 Discover IT cards

[Sbrav77]

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?

[kilroy8]

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.

[NoMoreE46]

@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

GL

[dbjohnson039]

@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,

[Aim_High]

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@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.

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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.