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

By: Ashley Dull • 8/15/2018

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You can easily request a credit limit increase on your Capital One credit card(s) 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.

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

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Ashley Dull

Ashley Dull is the Editor-in-Chief of CardRates.com and BadCredit.org, where she works closely with industry leaders in all sectors of finance to develop authoritative guides, news, and advice articles read by millions of Americans. Her expertise lies in credit cards and rewards programs as well as credit reports and how credit scores affect all aspects of consumerism. She is often asked to serve as an expert source on financial topics for national media outlets, such as CNN Money, MarketWatch, Money Matters, ABC News, and NBC News, and has recurring contributions to several leading finance websites. Connect with Ashley on Twitter and LinkedIn.