How To Request a Capital One Credit Line Increase

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Capital One may automatically increase a cardholder’s credit limit, like many credit card issuers. However, those who don’t want to wait for an automatic increase may request a Capital One credit line increase online, through the Capital One Mobile app or by phone.

New Capital One cardholders and those with a secured credit account or poor credit or who have received a Capital One credit line increase or decrease within the previous six months may not be eligible.

Ways To Request a Capital One Credit Line Increase

Capital One cardholders can request a credit line increase online, via the Capital One Mobile app or by calling Capital One customer service. Some cardholders will receive an immediate decision. Capital One may need to review specific information for other cardholders, and a decision can take up to 30 days.

All cardholders will receive a letter stating the approval or denial and why the request was declined.

To Request a Credit Line Increase Online

  1. Go to the Capital One website and log in.
  2. Select the Settings icon.
  3. Select Credit Line Increase.
  4. On the Request Credit Line Increase screen, enter all required information.
  5. Click Submit.
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To Request a Credit Line Increase Using the Capital One Mobile App

  1. Log in to the Capital One Mobile app.
  2. Tap Profile in the bottom toolbar.
  3. Select Account & Feature Settings.
  4. Select Credit Line Increase.
  5. On the Request Credit Line Increase screen, enter all required information.
  6. Drag the arrow at the bottom of the screen to submit the request.

To Request a Credit Line Increase by Phone

Call 1-800-227-4825. Be prepared to provide income and employment information and monthly mortgage or rent amount.

Reasons a Credit Line Increase May Be Declined

Capital One may decline a credit line increase request for any of the following reasons:

  • The account is too new.
  • The credit line has been increased or decreased during the previous six months.
  • The cardholder has had a recent late or missed payment.
  • The cardholder has a low credit score.
  • The cardholder has a recent delinquency reported on their credit report.
  • The cardholder’s average monthly payment is too low to pay down the outstanding balance significantly.
  • The cardholder is not using the card frequently enough.
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If a cardholder is denied a credit line increase, there is no guarantee Capital One will grant a future request even if the cardholder addresses the issues provided as reasons for the denial.

Ways To Increase the Chance of Receiving a Credit Line Increase

Even though a credit line increase is never guaranteed, a Capital One cardholder can improve their chance of getting a credit line increase by doing the following:

  • Building a pattern of on-time payments
  • Paying more than the account minimum
  • Maintaining a good credit history and credit score
  • Keeping employment and income information up to date with Capital One


A Capital One cardholder can easily request a credit line increase online, using the mobile app or by phone once every six months. Capital One will notify the cardholder if the request is denied.

Any cardholder denied a credit increase should take steps to rectify any reasons for the denial, not only to improve the chance of getting approved for a future Capital One credit line increase but also to improve their credit score and history.


Here are answers to some common questions about Capital One credit limits.
  • Is Capital One giving credit line increases?
    • Capital One may grant a credit line increase to cardholders with a credit report showing a pattern of on-time payments and payments greater than the minimum. Keeping income and employment information updated with Capital One can also increase the likelihood of an increase.
  • How often does Capital One increase credit limits?
    • Automatic credit line increases are determined by Capital One and vary by cardholder. Capital One will consider a request for a credit limit increase every six months.
  • What is the highest credit limit on a Capital One card?
    • Capital One determines the maximum credit limit on a per-cardholder basis and considers several factors. There is no standard maximum credit limit.
  • How much does Capital One increase your credit limit after five months?
    • Capital One typically does not extend credit limit increases to those who have been cardholders for only five months. A cardholder must build a history of on-time payments to Capital One before it will raise a credit limit. Capital One will consider a credit limit increase every six months for long-term cardmembers.
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Data is accurate as of July 13, 2022, and is subject to change.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Capital One.

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About the Author

Andrea Norris has been in the web publishing business for the past 15 years both as a content contributor and a copy editor specializing in personal finance, frugal living, home and auto topics. She writes both short and long-form content and is well-practiced in SEO keyword research and writing.
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