How Often Does Discover Improve Credit Limit?

[Anonymous]

Sorry if this has been answered before, just wondering how often they raise CL. I got approved for the Discover IT with a $1500 CL which seemed low compared to my first cc. Or how often should I request one and are they soft pulls? Thanks.

[Remedios]

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@Anonymous wrote:

Sorry if this has been answered before, just wondering how often they raise CL. I got approved for the Discover IT with a $1500 CL which seemed low compared to my first cc. Or how often should I request one and are they soft pulls? Thanks.

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They are soft pulls and you can request one once 3rd statement is generated. 

After that, it's anybody's guess how often they will grant CLI and how much. I've had the best luck requesting one very three months. 

[Loquat]

My first Discover was approved with a $2700 limit.  Increased by $1k and then by $500.  It's been stuck at $4200 for a couple of years.  Crazy thing is that I applied for second Discover card and was approved for $12k while still being denied for an increase on the first with their reason being "insufficient experience at current limit" or whatever jingle they use.  

Discover is an odd duck...

[xaximus]

Discover tends to like being the "daily driver". I would put a decent amount of spending on it (especially the 5% categories). Discover CLI's are all SPs and you can always call in to DD (double dip). More often then not, you can get an CLI every 3 months, but that's not always the case. There will be times where you may not get one for longer then 3 months. There's no rhyme or reason to Discover..

[HeavenOhio]

Welcome, @Anonymous.

As mentioned, wait for the third statement. After your first request, maybe you could go with 60 days after an approval and 30 days after a denial. Maybe you'll detect a pattern over time and you can simply go with that.

[pinkandgrey]

They are SP and Disco can be quite generous to some and stingy with others. No one knows for sure, but in general, if you use the card a lot, and pay responsibly, they will be good to you. 

[Anonymous]

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@Anonymous wrote:

Sorry if this has been answered before, just wondering how often they raise CL. I got approved for the Discover IT with a $1500 CL which seemed low compared to my first cc. Or how often should I request one and are they soft pulls? Thanks.

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Please read my post below, I had a similiar starting CL and i have been able to get 2 cli's in the first 100 days. Update to the post is in the comments.

https://ficoforums.myfico.com/t5/Credit-Cards/My-Disco-Journey-w-data-points/td-p/5425276

[dynamicvb]

Discover has been good to me. They started me out last August with a 12K SL. Then after 3 months, I clicked the button and got a 4K increase. Then for the next three months, I've gotten another 2K total. They finally gave me my first denial for not enough experience last week. I'm thinking this is just because I have a balance of 22% UTI right now from a large purchase that I have not paid off yet. 

[Queen_Etherea]

Technically, you can get one every 30 days. Whether or not they approve you for one is a whole different ball game. When I DD'd for my last CLI, I asked the lady on the phone how often you can get a CLI and she said they're able to approve one every 30 days.

[Anonymous]

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@Queen_Etherea wrote:

Technically, you can get one every 30 days. Whether or not they approve you for one is a whole different ball game. When I DD'd for my last CLI, I asked the lady on the phone how often you can get a CLI and she said they're able to approve one every 30 days.

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There are people who have gotten them in less than 30 days and there are people who can’t get them in 6 months.