All About Credit Limits
Your credit limit is provided to you in the welcome package that arrives with your card.
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Managing Credit
Learn about credit limits, credit scores and credit reports.
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How to Get a Credit Limit Increase
Although there’s no fixed time period, accounts are typically open for at least 6 months before they’re considered for a credit limit increase.
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How to Decrease Your Credit Limit
You can decrease your credit limit by reaching out to a customer service representative and requesting that your limit be lowered.
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How to Accept a Credit Limit Increase Offer
If you’ve received a credit limit increase offer, you can accept the increase in the Capital One mobile app, in online banking, or over the phone through our automated system.
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All About Credit Scores
A credit score is a number ranging from 300 to 900 that represents information on your credit report.
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Why Your Credit Score Is Important
Your credit score is important because it can affect the interest rates you’re offered, your lending and credit options, your ability to rent an apartment or home, and your eligibility for certain ...
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What’s a Credit Report?
Your credit report provides an overview of your history with credit cards and loans. It can include information on when you’ve opened your accounts, your payment history and more.
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How to Get a Copy of Your Credit Report
You can get a copy of your credit report from TransUnion® or Equifax®.
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Negative Impacts to Your Credit Report
Negative credit information won’t stay on your report forever.
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What to Do if You Have Incorrect Information on Your Credit Report
If you see something on your credit report that doesn’t look right, you can file a dispute with the lender that reported the information in question.
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