If you are an eligible Capital One customer, you can use the Confirm Purchasing Power tool to check if a large or overlimit purchase may go through in real time.
If you have an eligible account, you may access the Confirm Purchasing Power tool by signing in.
If you have multiple purchases to make, enter the total amount.
Check if large transactions may go through so you can spend with confidence.
You don’t need to use this tool for every purchase, but it can be used a few times a day.
Visit your account
If you have an eligible account, you may access the Confirm Purchasing Power tool by signing in.
Enter a purchase amount
If you have multiple purchases to make, enter the total amount.
Start spending
Check if large transactions may go through so you can spend with confidence.
Other things to know
You don’t need to use this tool for every purchase, but it can be used a few times a day.
Do I need to enroll to spend over my credit limit?
No, your account is already eligible.
Is my eligibility to spend over my credit limit subject to change?
Your ability to spend overlimit may change over time based on factors such as your spend behavior, payment history, credit profile and other factors.
How far over my credit limit can I spend?
Your overlimit spend capacity depends on a number of different factors, such as account status, payment history or credit profile and is subject to change without notice. The Confirm Purchasing Power tool can be used in real time to see if a purchase may be approved.