How to Request a Capital One Line of Credit Increase

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Capital One can automatically increase a cardholder’s credit limit, like many credit card issuers. However, those who don’t want to wait for an automatic increase can apply for a Capital One line of credit increase online, through the Capital One Mobile app, or by phone.

New Capital One cardholders and those with a secured credit account or low credit or who have received an increase or decrease in the Capital One line of credit within the previous six months may not be eligible.

Ways to Apply for a Capital One Line of Credit Increase

Capital One cardholders can request a line of credit increase online, through the Capital One Mobile app or by calling Capital One Customer Service. Some cardholders will receive an immediate decision. Capital One may need to review specific information for other cardholders, and a decision may take up to 30 days.

All cardholders will receive a letter stating the approval or denial and the reason the request was declined.

To request a line of credit increase online

  1. Go to the Capital One website and sign in.
  2. Select the Settings icon.
  3. Select Increase credit limit.
  4. On the Line of Credit Increase Request screen, enter all the required information.
  5. Click Submit.

To request a line of credit increase using the Capital One mobile app

  1. Log in to the Capital One Mobile app.
  2. Tap Profile on the bottom toolbar.
  3. Select Account and Feature Settings.
  4. Select Increase credit limit.
  5. On the Line of Credit Increase Request screen, enter all the required information.
  6. Drag the arrow at the bottom of the screen to submit the request.

To request a line of credit increase by phone

Dial 1-800-227-4825. Be prepared to provide income and employment information and the monthly mortgage or rent amount.

Reasons a line of credit increase may be declined

Capital One may deny a line of credit increase request for any of the following reasons:

  • The account is too new.
  • The line of credit has been increased or decreased in the last six months.
  • The cardholder recently had a late or missed payment.
  • The cardholder has a low credit score.
  • The cardholder has a recent default on their credit report.
  • The cardholder’s average monthly payment is too low to meaningfully pay off the outstanding balance.
  • The cardholder does not use the card often enough.

If a cardholder is denied a line of credit increase, there is no guarantee that Capital One will grant a future request even if the cardholder resolves the issues provided as reasons for the denial.

Ways to Increase the Chances of Receiving a Line of Credit Increase

Although a line of credit increase is never guaranteed, a Capital One cardholder can improve their chances of getting a line of credit increase by doing the following:

  • Build an on-time payment model
  • Paying more than the account minimum
  • Maintain a good credit history and a good credit rating
  • Maintain up-to-date employment and income information with Capital One


A Capital One cardholder can easily request an increase to their line of credit online, using the mobile app or by phone once every six months. Capital One will notify the cardholder if the request is denied.

Any cardholder who is denied a credit increase should take steps to rectify the reasons for the denial, not only to improve the chances of being approved for a future Capital One line of credit increase, but also to improve their credit rating and history.


Here are answers to some common questions about Capital One credit limits.

  • Does Capital One provide line of credit increases?
    • Capital One may extend the Line of Credit to Cardholders whose credit history indicates a pattern of on-time payments and above-minimum payments. Up-to-date income and employment information with Capital One can also increase the likelihood of a raise.
  • How often does Capital One increase credit limits?
    • Automatic line of credit increases are determined by Capital One and vary by cardholder. Capital One will consider a request for credit limit increase every six months.
  • What is the highest credit limit on a Capital One card?
    • Capital One determines the maximum credit limit per cardholder and considers several factors. There is no standard maximum credit limit.
  • How much does Capital One increase your credit limit by after five months?
    • Capital One generally does not extend credit limit increases to those who have been cardholders for only five months. A cardholder must establish a history of on-time payments to Capital One before increasing their credit limit. Capital One will consider a credit limit increase every six months for long-term cardholders.

Data is accurate as of July 13, 2022 and is subject to change.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Capital One.

About the Author

Andrea Norris has worked in the web publishing industry for 15 years, both as a content contributor and editor specializing in topics related to personal finance, frugal living, home and automotive . She writes short and long content and is well trained in SEO keyword research and writing.

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