What's the Capital One Journey credit limit?
The Capital One Journey credit limit will be based on your creditworthiness once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as Capital One does not disclose this information on their website.
Capital One Journey is a credit card geared for students with limited credit. If you don't have less than 3 years of credit history, you will need to have at least fair (640+) credit to qualify for this card.
Here's what you should know about the Capital One Journey credit limit:
- There's no surefire way of knowing your Capital One Journey credit limit before applying and getting 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.
- If you are not happy with the Capital One Journey credit limit you have received, you may request an increase after you've had the card for at least 6 months. However, there's no guarantee you'll be approved.
- Capital One may also automatically consider you for a higher credit limit after you've made your first 6 payments on time.
Capital One uses soft pulls for credit limit increases. So, requesting a Capital One Journey credit limit increase won't affect your credit score.