How To Request a Credit One Credit Line Increase

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Some credit card issuers periodically review accounts to determine credit limit increase eligibility and will automatically increase a cardholder’s credit limit if they meet the requirements. However, a cardholder can also request a credit line increase.

You might need a credit line increase to transfer a balance from another card or to make an unexpected big purchase. Requesting a Credit One credit line increase might take nothing more than a phone call.

Does Credit One Give Credit Line Increases?

Credit One automatically gives credit line increases to eligible cardholders. If you have never received a credit line increase on your Credit One account, or if it has been a long time since receiving one, you may request an increase.

How To Request a Credit One Credit Line Increase

You can request a credit line increase by calling Credit One Bank customer service at 877-825-3242. You may need to provide your current employment status, annual income, monthly rent or mortgage payment and other information before Credit One can process your request.

If you’re a new cardholder, you might not be eligible for an increase until you’ve made several on-time payments on your Credit One card.

You can also improve your chance of receiving a credit line increase by making on-time payments to all of your creditors, maintaining a good debt-to-income ratio and not applying for too many credit cards.

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Keep in mind that a credit line increase will have an impact on your credit score. A credit line increase will typically improve your credit utilization ratio and may increase your credit score. However, if you are using the increase to make a big purchase and use most of your available credit limit, your credit score could drop.

What Is the Highest Credit Limit for Credit One?

There is no standard maximum credit limit on a Credit One card. Credit One uses several factors to determine an individual cardholder’s credit line.

How Long Does It Take To Get an Increase With Credit One?

If the account is new, it could take several months of making on-time payments before Credit One will consider increasing your credit limit. Credit One does, however, automatically review accounts and will notify you if you’re eligible for an increase.

You can also request a credit line increase by calling Credit One at 877-825-3242.

Does Credit One Do a Hard Pull for a Credit Limit Increase?

A card issuer may do a soft pull, a hard pull or both when determining whether to grant a credit line increase request. It is best to contact Credit One directly to determine whether a request will result in a hard or a soft pull.

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Hard pulls will show up on your credit history and may impact your credit score, whereas soft pulls will not.


Credit One Bank will evaluate your credit and payment history not only for your Credit One card but also for your other creditors to determine your eligibility for a credit line increase.

If you are denied an increase, you can contact Credit One to determine the reasons for the denial. By correcting these issues, you may qualify for a Credit One credit line increase in the future and even improve your credit score.

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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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