How do I increase my Capital One Journey credit limit?

You can request a Journey Student Rewards from Capital One credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.

How To Get a Capital One Journey Credit Limit Increase Online

1. Log in to your online account or the Capital One mobile app.
2. Choose the Capital One Journey card from the list of account options (if you have more than one Capital One card).
3. Click “I Want To...,” and then “Request Credit Line Increase.”
4. Enter your total annual income, employment status, occupation, how much you will spend monthly on the card, your mortgage or rent payment amount, and your desired credit limit.
5. Confirm the information entered and click “Submit” to complete the request.

You should receive a decision in just a few seconds. If you’re approved for a Capital One Journey credit limit increase, the new limit is effective immediately.

Impact of a Capital One Journey Credit Limit Increase on Your Credit Score

When you request a Capital One Journey credit limit increase, Capital One will conduct a soft pull of your credit report, which does not affect your credit score. However, some Capital One Journey credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Capital One cannot do a hard pull without your permission.

Alternatively, you could be eligible for a Capital One Journey credit limit increase without even requesting one. The Capital One Journey card may offer an automatic credit limit increase if Capital One’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.

To get a Capital One Journey credit limit increase, log in to a Capital One Journey account online and click “I Want To,” then scroll down to the “Upgrades and Offers” section and select “Request Credit Line Increase.” Journey cardholders can also call customer service at 1-800-227-4825 to request a credit line increase.

Sometimes, Capital One Journey cardholders won’t even need to request a credit line increase to get one. The Journey Student card gets automatic credit line reviews starting in as little as 6 months from the account opening date. If you’ve been keeping up with payments and using your credit wisely, Capital One may increase your credit limit for you.

If you don’t want to wait and you decide to request a higher credit limit, Capital One will ask for information such as your total annual income, employment status, and monthly mortgage or rent payment. When submitting the request, you can ask for any increase amount, but it’s best to keep it reasonable – generally between 10% and 25%.

Not everyone can get a credit limit increase on a Journey credit card. To be eligible, the account must be open for at least 3 months. In addition, your credit limit can’t have increased or decreased in the past 6 months. Finally, you must make on-time payments with all creditors, since Capital One will conduct a soft pull on your credit when they review your eligibility.

If you get approved for a credit line increase, your new credit limit will be available immediately after you accept it. If denied, you can reapply at any point, but it’s best to wait at least 6 months between requests, unless you get a salary increase or experience other life changes that greatly improve your eligibility.

You can request a Capital One Journey credit limit increase over the phone: 1-800-227-4825. Or, from your account at capitalone.com, go to the Card Services tab and select Request Credit Line Increase. To be eligible for a Capital One Journey credit-line increase, your account must be at least three months old, and you can’t have had a credit increase or decrease within the last six months.