How Do I Request a Credit Increase from Capital One?

Capital One is one the largest credit card companies in the United States. It allows its customers to request a credit line increase anytime and most decisions are made promptly. Accounts that have instant approvals get immediate access to the new credit limit. If you're a customer, click on the Need Help tab in case the Services option is not available, and type in credit increase.

Dec 9, 2022

What's in your wallet is more than a question; it's a marketing slogan for Capital One, and it's worked. The company is one of the biggest financial corporations in the United States and was a big contributor to credit card marketing campaigns in the 1990s. If you have a Capital One credit card, read on to learn more about requesting a credit line increase.

A Few Basic FAQs

You can request a credit line increase anytime from Capital One, but the company needs your total annual income, employment status, and monthly mortgage payment or rent to consider you.

There are also some stipulations as secured credit cards, new credit card accounts, or accounts that recently had a credit increase or decrease aren't eligible for an increase. Capital One also reserves the right to decline your request for other reasons not stated in its requirements.

Once you submit your request, it could take up to 30 days to review, but most requests are approved or declined immediately. If your request is approved, you'll see your new credit limit instantly. You'll receive a letter in the mail with more information regarding your request.

Capital One also features tips in case you're not approved for a credit line increase, like paying on time and more than the minimum amount. You can also set up an automatic debit to improve the odds of receiving your credit line increase.

If you have any questions, please call Capital One customer service agents here, they're available 24 hours a day to help you. You can also visit the Credit Line FAQs page on the main website.

The Credit Line Increase

If you're still interested in making your request, the best way is going to be online via PC or mobile device. You can find the Credit Line Increase request button under the Services tab on your account. Click the button and follow the prompts. If the Services Tab is unavailable, click on the Need Help tab to open a chat window. Type in that you wish to request a credit increase and the chat bot will give you multiple options. Click on the appropriate link and type in your information.

If you have any difficulty making your request online, you should contact the company's customer service department for assistance.

Further questions?

Ask a followup or related question and we will try to provide an answer in seconds.
Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
How Do I Request a Credit Increase from Capital One?

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Request a Credit Increase from Capital One? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

Capital One

Asked 2 years ago
Updated a year ago
Viewed 740,398 times
Capital One
How do I request a credit line increase for Capital One
Requesting a credit line increase for a Capital One credit card
Was this page helpful?
Thank you and please share!
Thank you and please share!
Needs work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!