A Discover credit limit increase may be a good way to improve your credit score and boost your spending power.

Spend responsibly and you will see a decrease in your credit utilization. You’ll also have more control over how much you can spend each month or on large purchases.

Here’s how you can request a Discover credit line increase if you have a Discover card.

Getting an increase in your Discover credit limit

The credit limit on your Discover card is the maximum amount that you can spend. Your transaction could be denied if you exceed this limit. If you have trouble overspending, it may not be a good idea to increase your credit limit.

Here are some options to increase your credit limit if your credit utilization rate is low or you don’t have enough credit to purchase the item you want.

Does Discover automatically increase its credit limit?

Discover won’t automatically increase your credit limit, it seems. However, positive use of credit cards can demonstrate to card issuers that you won’t abuse higher credit limits. Use your Discover credit card frequently, but do not accumulate too much debt or fail to make a payment.

The card issuer also recommends that you update your income whenever it changes. Your ability to repay a higher credit card account balance will increase as your income grows.

Also, keep in mind that your credit limit may be reduced by a card issuer if you exceed it regularly.

How do I increase my Discover Card limit

Call the number on your credit card back to request a credit limit increase for Discover. You can also log into your online account, or the Discover mobile app to request this. Click on Card Services to the top of this page and then choose Credit Line Increase from the dropdown menu.

Your current monthly income and housing payment will be required. Fill in this information and then submit your application. Discover reports that more than 95% people who apply for a job get a decision in a matter of seconds.

Apply for a Discover credit card

Although it will not affect your credit limit, applying for a Discover card could increase your credit available and open up other benefits. To find the right card for you, compare various benefits and reward rates. You could choose from no-interest credit, airline credit cards and travel credit cards.

Keep in mind that applying to a Discover credit card is a difficult process. Before you submit your application, make sure your credit score is in good standing.

Does Discover perform a hard pull to increase credit limits?

Discover does not run credit card issuers a thorough inquiry about your credit report when you request an increase in your credit limit. You can submit your request and not worry about affecting your credit scores.

What you should consider when asking for a credit limit raise

It’s important to think about the possible impact of a Discover credit limit rise if you are considering applying.

A credit limit increase can be a problem if you have had problems maxing out your credit cards in the past or if you carry a balance regularly and need more room. It may be a better idea to review your spending habits and make changes to avoid high-interest debt.

If you use your credit card positively, keep your credit utilization low and pay your balance in full each month, or occasionally carry a balance from one month to the next — a credit limit increase can help improve your credit scores and give you greater flexibility for larger purchases. Consider your situation carefully and consider whether increasing your credit limit could benefit or harm your long-term financial health.

What should you do if Discover refuses your request

Discover will notify you within three to five days if your request is denied. These reasons will help you decide what your next steps should be. Then, consider applying again after you have made the necessary financial improvements.

You can also apply for credit limit increases on cards you already have with another issuer, or apply for a new card. It is important to evaluate your options and situation to determine the best way forward.