How Do I Increase My Credit Limit on My Capital One Card?

To increase the credit limit on your Capital One account, your account has to be in good standing. If Capital One determines that you are eligible, they will offer to increase your limit. Otherwise, you can submit a request online or on the phone. If accepted, the limit increase will immediately take effect.

When you apply for a Capital One credit card, several factors will determine your credit card limit:

Payment history
Account history
Current accounts
Debt
Income

Your circumstances could change after opening your account, and after at least three months, you may want to increase your credit limit.

Tips for Increasing Your Limit

A credit limit increase isn't guaranteed, but you're more likely to get one if you do the following to keep your account in good standing:

Pay Your Bills on Time

Your payment history is one of the most important factors when determining whether you will receive a credit limit increase. Stick to a regular payment schedule, and if you can make your payments before the end of the month, that's even better. It shows that you're responsible and can be trusted with an increased limit.

Keep Track of Your Credit Score

If you can resolve an issue as soon as it starts affecting your score, it will reflect positively on you. Every time there's an inquiry about your credit score or you make a late payment, it'll put a dent in your score and hurt your chances of increasing your limit.

Watch Your Spending

Be careful not to make any large purchases that might put you at risk of reaching your limit, as it could be an issue when you submit your request. Keep your balances as low as possible, and when the time comes that you have a higher limit, you won't have to worry as much about reaching it.

Other factors that may affect your credit limit increase:

Employment status
Annual income
Mortgages and debt

Capital One regularly reviews customer accounts, and you may receive an offer to increase your limit if you consistently demonstrate good credit habits. If you haven't received an offer but are interested in a credit limit increase and your account is in good standing, you can request one from Capital One online or on the phone.

Submit a Request Online

Follow these steps to request a credit limit increase online:

Step one: Log into your Capital One account through the app or website.

Step two: Go to your profile and click on Settings.

Step three: In the section that says I want to, click Request credit line increase.

Step four: Follow the prompts to enter your employment status, income and the credit line you want. Submit your request.

Submit a Request On the Phone

To submit a request on the phone, contact customer service at 1-877-383-4802 and have your information ready.

Once you have requested a credit limit increase, Capital One will decide based on the information you provide and your risk factors. It could take up to 30 days to review your information. Once approved, your limit increase will take effect immediately.

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