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.

Why Did GetHuman Write "How Do I Increase My Credit Limit on My Capital One Card?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Increase My Credit Limit on My Capital One Card? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Increase My Credit Limit on My Capital One Card? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

Capital One

Asked a month ago
Updated a month ago
Viewed 68,800 times
Capital One
Capital One increase credit limit
increase credit limit Capital one
Capital One credit line increase

What customers are saying about this and similar problems

I want credit balance electronically sent to my Wells Fargo account on file.
I have a credit balance and want it electronically transferred to my Wells Fargo accoun...
I lost my credit card i contacted you tocancel it i told you i neede new card different...
Someone sent me a check and I want to make sure it's real cause seems fake. And sent me...
I am trying to add my card to Apple Pay but I need to send a message to ***** but when...

Moving? We Make It Easy.

Call now and talk to a real person in seconds who can tell you the best deals from each telecom company if your new home area. We find the best deal for you and then we manage the scheduling so that all your technicians show up on the same day. Easy and free!

Talk to Us Now: 888-959-6783Our concierge is unaffiliated and therefore able to compare deals (and schedule) across many companies
Was this page helpful? If so, please share!
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!