You can request a credit increase with Capital One online or over the phone: 1-800-955-7070. To be eligible for a Capital One credit-line increase, you must have an unsecured credit card, your account must be at least 3 months old, and you can’t have had a credit increase or decrease within the last 6 months. The odds of success are best when you pay your bill on time for at least 12 consecutive months prior to asking for a higher limit. It’s also important to note that once your account has been open for 5 months (and you’ve made all your payments on time), you may become eligible for an automatic credit-limit increase. Capital One will start periodically reviewing your account for that purpose once you’re eligible.
To request a Capital One credit line increase online, log into your account, click on the “Card Services” tab, and select “Request Credit Line Increase.” Then fill out the form with your income, employment status and rent or mortgage payment, and click “Submit.” To request an increase over the phone, call 1-800-955-7070 and choose “More Options,” then “Credit Increase,” and give your information. You may be asked additional questions when requesting over the phone, so have your information ready.
You should receive a decision in your inbox within 3-5 business days, if you’ve opted-in for paperless statements. Otherwise, you’ll receive a letter in the mail 7-10 business days after submitting your request. You cannot ask for a specific credit amount when requesting an increase. If you’re approved, you’ll receive the highest limit possible based on the information you provided.
If you’re declined for a Capital One credit increase, you can request another at any time. However, it’s recommended that you wait at least 6 months. An exception would be if your financial situation improves, like receiving a raise. Any time your income goes up is an appropriate time to request a credit increase, assuming your debt doesn’t go up too.
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