Maria Adams, Credit Cards Moderator
@m_adams
The maximum credit line for a Credit One credit card is not publicly disclosed by the issuer. If approved for a Credit One card, applicants can expect a minimum credit line of $300 to $500 initially, depending on the card and their credit standing.
Credit One cards are designed for people of various credit levels, from bad to good credit or better. The lower your credit score is, the lower your Credit One account’s maximum spending amount is likely to be. Credit One may periodically review your account for an automatic credit line increase. This usually occurs after you’ve had the card for at least 6 months. Credit One doesn’t release specific criteria for granting automatic increases.
How Annual Fees Affect Your Credit One Credit Card Limit
It’s important to know that if you’re approved, the amount of your credit line that’s available for spending may be reduced before you even use the card. Most Credit One credit cards charge an annual fee. If your card has an annual fee, it will be automatically applied against your credit line.
If Credit One’s maximum credit lines aren’t enough to meet your needs, focus on rebuilding your credit to the point where you can apply for a card with the potential for a higher credit line and lower fees.
2023's Best Credit One Credit Cards
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How do I get a Credit One Bank credit limit increase?
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...
Is Credit One Bank legitimate?
Yes, Credit One Bank is a legit bank that has been issuing unsecured credit cards for people with limited credit and bad credit since 1984. Credit One Bank has a B+ rating from the Better Business Bureau and is considered to be a major credit card company by the market research firm J.D. Power.
Some people question whether Credit One is real because it has no physical branch locations, operating online only. Another major reason people...
read full answerWhat is the starting credit Credit One credit card limit?
The starting Credit One credit card limit is at least $300 to $500. Credit One credit card applicants with the highest credit scores and the most income have the best chance of getting the highest starting credit limits.
Minimum Starting Limits for Popular Credit One Cards
- Credit One Bank® Platinum Visa® for Rebuilding Credit: $300
- Credit One Bank® Platinum Visa®: $300
- Credit One Bank American Express® Card: $300
- Credit One Bank® Platinum X5 Visa®: $500
Credit One usually lists only the minimum credit limit for its credit cards, if they give...
read full answerDid we answer your question?
I was approved for a $300 credit line, 16 months ago. They have been taking out $8.25/mo for year 2 annual fee. They told me I am not eligible for a credit increase because I have not had the account long enough (15 months of responsible use). My score was 583 (or 593) when I started with them, now Nov '21, it is 770 (from my TransUnion, Wallethub page). I would get rid of the card , because the $99 2nd year fee is very high for only a $300 credit limit. However, it will make my score drop too much because of the age of the tradeline, and I'm trying to get a mortgage right now. As soon as I get the house, I'm getting rid of this card.
I got pre approved for $2000 with them