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

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purebulldogs
Contributor

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

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

Message 1 of 25
24 REPLIES 24
creditgnome
Regular Contributor

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

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

 

seen 20k limits off the bat.

current credit score: 577/578


Message 2 of 25
Aim_High
Super Contributor

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

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. Smiley Surprised

 

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. 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 3 of 25
dlister70
Frequent Contributor

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

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.



Message 4 of 25
learningcredit54
Regular Contributor

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

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

BACK TO SQUARE 1 - GETTING READY FOR BANKRUPTCY
Message 5 of 25
805orbust
Valued Contributor

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

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...  🤬



Message 6 of 25
805orbust
Valued Contributor

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

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



Message 7 of 25
Kennie02
Frequent Contributor

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


@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. 

NFCU cash $50k | BofA Cash Rewards $35k | USAA Rate Advantage $20K | Amex BCP $18k| Costco Anywhere $18.5k | Amex HH Surpass $15k | BofA $14k | WF $14k | Apple Card $6.5k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $8.5k | Citi DC $3.5k | Citi AA Mile Up $5.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $4k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 7/28/25
Starting score 09/2013: 530 Current FICO 8:
Credit Age:
New Accounts:
Inq (6/12/24M):
Message 8 of 25
wasCB14
Super Contributor

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

After 8 years, $3k.

 

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

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 9 of 25
Anonymous
Not applicable

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


@wasCB14 wrote:

After 8 years, $3k.

 

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



Smiley Surprised 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!)

Message 10 of 25
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