Chip Lupo, Credit Card Writer
Credit One might automatically increase your credit limit after six months, or you can request a Credit One credit line increase online or by calling (877) 825-3242. For the best odds, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Credit One has on file.
How to Get a Credit One Credit Limit Increase Online
- Log in to your online account.
- Choose the Credit One card for which you're requesting the increase (if you have more than one card).
- Click "Settings," and then "Credit Line Increase."
- Enter your required information and click "Continue".
- Confirm the information and click "Submit" to complete the request.
- You should receive a decision in just a few seconds. If you're approved for a Credit One credit limit increase, the new limit will be effective immediately.
When you request or get an automatic Credit One credit limit increase, Credit One will conduct a soft pull of your credit report, which does not affect your credit score.
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Bill Tadesse, Member
You usually need to have the card for at least 6 months, and have a spotless payment history. Even if you want to request a higher limit, rather than waiting to be offered one, you shouldn’t do it unless you’ve got a nice string of on-time payments under you belt.
That would be false, I’ve had this card for 2 years, and I have never had a credit line increase. I tried once after 1 year and was told my account was “to new” out of curiosity I just tried again and was told the same thing. I regret opening this card, it never did anything to help my credit. Funny thing is they keep sending me messages through the app that I’m pre approved for 1k with opening a new card, but won’t give my current card an increase.. it did not even do its purpose and help build my credit My discover and Bank of America cc helped my credit dramatically. And they have given me HUGE increases.
I have had them for almost a year and can not get a increase. I have requested it twice so I figured I won't try again. My score is around 730 and never been late and pay off monthly. I'm thinking it's near impossible. Oh and I make enough where raising it will not hurt me at all. Any advice? Thanks
Not accurate. I have two cards, one open for 2+ years and one for 3+ years. Excellent credit. Low utilization and zero balance on both. Multiple other cards. No late payments. None. And when I requested an increase through the automated phone system - was denied. I was told that the option to request a credit line increase under Settings will only show up if the bank is offering. There is no option to request it myself in my Settings. No reason given.
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