All About Credit Limits

Your credit limit is provided to you in the welcome package that arrives with your card.

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.

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.

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.

How to Get a Credit Limit Increase on Your Secured Card

You can increase the credit limit on your secured card by sending in more security funds.

All About Credit Scores

A credit score is a number ranging from 300 to 900 that represents information on your credit report.

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 ...

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.

How to Get a Copy of Your Credit Report

You can get a copy of your credit report from TransUnion® or Equifax®.

Negative Impacts to Your Credit Report

Negative credit information won’t stay on your report forever.

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.

I noticed a change in my credit score that I didn’t expect. Can you tell me why it changed?

All About Credit Keeper