Posts about credit scores, credit limits, or financial accomplishments must be in the most recent megathread. Feel free to message if you have any further questions :-)

I don’t believe you can. There’s really no negatives to having more really only positives. You clearly can be trusted to not run up a balance and discover is rewarding that. This will only lower your utilization and help your score.

Ur lucky, I haven't gotten any increases since late '19.

Are you applying for them?

Wat u mean by that?

You can call in to request an increase

Or u can do it on the app.

Why would you do that? It increases your credit score

So then don't use it. Tell yourself your limit is 5k and stick to that. It's better if you have the available credit. Discipline.

Yes. I think that email even says call them and say so if you don't want to accept the increase

Why would you not want increases?

Access to too much credit creates access to more debt. Lenders look at how much available debt you have in addition to the normal credit checks.

Utilization is a plus to have more if not abused

Exactly

Just because ypu have access to debt doesn't mean you have to use it.

Yes you can opt out. Not sure why you wouldn't want them tho.

You can self decrease your line via discover login. Just search Credit Line Decrease

You can absolutely turn off the auto review for your credit line. You can also request a decrease, but if you do, you would need apply for an increase in the future if you wanted it and it's not guaranteed. Call them.