Thomas Antonsson, Member
@tomtom5
The Capital One Platinum credit limit can be as high as $3,000 according to online cardholder reports, but it will depend entirely on the specifics of each applicant’s credit and their overall financial situation. Most cardholders get credit limits of at least $300, though.
The Capital One Platinum card is designed for people with limited credit (less than 3 years of credit history). If your credit score and debt-to-income ratio are significantly better than the issuer’s minimum requirements, your chances of getting a higher credit limit will improve.
Ultimately, if you are unhappy with your credit limit, the issuer periodically reviews accounts for automatic credit limit increases after 6 months of on-time payments. If you’d rather not rely on an automatic increase, you can request one yourself instead.
Popular Credit Cards from Our Partners
Zena Fuhrer, Member
@ibakikun
Mine is sitting at 5600 after 2 years of using it. I am also a big spender and I have spent up to 3k and paid it off in 2 months, so it depends on your spending habits
Sarah, Member
@sarahkel12
I got a starting limit of 2000 with upper bad/lower fair credit.
People also ask
Can I get a Capital One credit limit increase without asking?
Yes, you may be eligible for a Capital One credit limit increase without asking for one. If you constantly use your card responsibly, such as making at least the minimum payment amount on-time each month, Capital One may automatically review your account and offer an increase over time.
If you do not get an increase automatically after this period and you meet the requirements above, you can request an increase online, through the mobile app, or...
read full answer by Kelly Johnson, MemberWhat is the starting credit limit for a Capital One credit card?
There is no general starting credit limit for Capital One credit cards. Your credit limit will be based on your creditworthiness once your application has been approved.
When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role. Unfortunately, there's no surefire way of knowing your credit limit before applying and getting approved for a Capital One credit card.
How to get...
read full answer by David Freeman, MemberHow do I increase my Capital One Platinum card credit limit?
You can request a Capital One Platinum (see details, rates & fees) 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...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.