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Thursday, July 2, 2020

6 Expert Tips → How to Increase Credit Limit (Capital One)

6 Expert Tips → How to Increase Credit Limit (Capital One)

credit card advice

Ashley Dull
By: Ashley Dull
Updated: October 23, 2019
Advertiser Disclosure

After you’ve had your Capital One credit card for a while and you’ve established a history of timely payments, you may be Googling terms like “how to increase credit limit.” Thankfully, Captial One makes it pretty simple to request an increase to your credit limit online or over the phone.

You may also select and apply for a new, high-limit card online. Here are the resources you’ll need to increase your limit:

Call or Login Online  |  Choose a New Card  |  6 Tips from Experts

1. Call a Capital One Credit Analyst or Login Online

1. By phone, call 1-800-955-7070 and choose “More Options” to hear the credit increase option.

2. To do it online, log in to your account and click the “Services” tab.

Screenshot of Capital One website log in.

You will receive an answer to your request within two to three business days.

If you don’t have an online account yet, click “Enroll here” beneath the “Sign In” button. You’ll need your credit card number and security code, date of birth, and social security number. Visit the Capital One Credit Line Increase FAQs page for more information.

2. Choose a New Capital One Card

Depending on the Capital One credit card you currently hold, you may already be at your maximum credit limit. In this case, the best way to get a better limit from Capital One may be to go with a new card, perhaps one marketed toward a better credit score demographic. Here are some of our favorite Capital One card offers.

+ See more Capital One credit card offers

3. Read the “6 Expert Tips” for Increasing Limits

Requesting an increase can be kind of nerve-wracking if you’re not sure you’ll be approved. If you decide to contact Capital One to request an increase, we recommend you read this article before doing so:

This article provides six useful tips for increasing your chances of approval and will guide you through the process. You’ll learn what to expect, what you’ll need to have ready, and how to answer the credit analyst’s questions.

Photo credits: capitalone.com

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