Increase your credit limit

You might be eligible for a credit limit increase. Here's how to request one.

Increase your credit limit

You might be eligible for a credit limit increase. Here's how to request one.

One of the most convenient ways to request a credit line increase is using our app or website. If you don’t already have an online account, you can sign up for an online account or download our mobile app.


You’ll need to provide us with information like your total annual income, employment status and sometimes monthly mortgage or rent payment, so have that in hand. If you're applying for a credit line increase for your Spark business credit card, you'll also need to provide last year’s total business revenue.

If you request a credit limit increase from Capital One, it won’t harm your credit score because we only do a soft inquiry.

No, some accounts may not be eligible for an increased credit line upon request. The reasons for ineligibility vary, but broadly speaking, the following accounts are usually ineligible:

  • New accounts opened within the past several months
  • Secured credit cards
  • Accounts that have received a credit line increase or decrease over the past several months

Even if your account does not fall into one of these categories, your credit line increase  request may still be declined for other reasons.

While the reasons behind a denial may vary, common reasons why your request for a credit line increase may be declined include: 

  • Your Capital One account is too new
  • There has recently been a change to the credit line on this account
  • This Capital One account was recently past due
  • Your average monthly payment has been too low
  • Recent usage of this account's existing credit line has been too low
  • The credit reporting agency has reported a recent credit delinquency
  • Your current credit score is too low

The following list are examples of factors we consider when determining your request for a credit limit increase:

  • If you make on-time payments (with all creditors)
  • If you make larger monthly payments that pay down your balance
  • Changes in your employment status, total annual income, or credit score
  • Usage of your current credit line
  • Your account age and recency of your last credit line change

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