Maria Adams, Credit Cards Moderator
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.
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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