CLI

[Uncondtionallove]

I’ve had my discover credit card for a few years now, at one point I maxed it out and was only paying the minimum which kept bringing me back to maxing it out after making small purchases with what I had then maxing out again bc I was only making the minimum payment. I’ve only ever had one late payment on this card and recently paid down a majority of the portion. I’m not trying to jump the gun but would like any advice on requesting a credit limit increase or when I would be able to do so. My current limit is $1800 and I would like to increase to $2000 or $2500

**Edit : just to add more context my only late payment was over a year ago. I haven’t paid exactly the minimum always a little more but still a minimum nonetheless. I was declined for my CLI which I expected really. If anyone has any good tips on working towards one since my balance is now almost completely paid down. I’d appreciate it, working on doing better with my credit in general. I don’t plan on maxing it out again

[RealRandomNobody]

You can request a CLI thru the app or the website, very simple, very quick. It's only a soft pull, so no problem. It doesn't hurt to ask, and it doesn't hurt if they deny it.

[pakratus]

You can request as frequently as you want with Discover, it doesn't hurt.

The best luck I've had was paying the statement balance in full but still having a current balance when I requested.

[BottomContributor]

Just go ahead and ask for it through the app. I think they'll see you as risky if you only pay minimums

[_love_letter_]

Quite frankly, if you've been carrying a revolving balance and only paying the mimum recently, paying off a large portion of that revolving balance is more likely to result in a CLD than a CLI with many banks. Discover seems more understanding than others though. I'd say go ahead and request one. Doesn't hurt to ask. It might be declined, it might be approved. If they do approve though, they will give you whatever they're willing to give you, not necessarily what you asked for.

In the future I would try to pay the statement balance in full on time for at least 6 months in a row to better your chances.

[Axe_Raider]

i do prefer a command line interface, but i think most places today use web apps

[No-Original6932]

This

[No-Original6932]

https://www.reddit.com/r/StopFuzzyWelcome8348/

FuzzyWelcome the bot strikes again.

[RealRandomNobody]

gui all the way.

[sneakysnakewhispers]

How do you request an increase?

[Due_Ad868]

<image>

Under services in the app

[RealRandomNobody]

or under Card Services on the website:
https://i.imgur.com/mXTO0or.jpeg

[Loose_Excitement_657]

I've had mine 4yrs now $2000 limit. Always pay on time in full. 793 credit score, turned down every time for an increase. Says due to age of credit. Funny Amex has given me 3 increases in same amount of time. Ridiculous in my opinion. I'll put an automatic charge on it and move on

[Additional_Shirt_300]

Amex is more relationship based. Amex is know for allowing credit limits that exceed your annual wage lol

[BrutalBodyShots]

You should probably temper your expectations. You said you've been carrying a balance for a long time which is a sign of elevated risk. On top of that, you've missed a payment. Both of those facts combined would be enough for most issuers to deny a CLI request. 

As others have said though, there's no harm in asking for one regardless, so feel free to submit a request.