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How to Get a Credit Limit Increase

When you become eligible for a credit limit increase, we’ll let you know there’s an offer available. Accept the credit limit increase offer before it expires and your new limit will be available to use within 2 business days.

If you have a secured card, you can increase your credit limit by sending in more security funds. To learn more, see How to get a credit limit increase on your secured card.

How will you notify me when a credit limit increase offer is available?

When a credit limit increase offer is available to you, we’ll let you know by one or more of the following ways:

  • Message in your Capital One app
  • Message in your online banking account
  • Email
  • Letter in the mail

You may also contact us at any time and use our automated phone system to check whether there’s a credit limit increase offer for you. If there’s an offer, follow the prompts to accept it.

Will talking to a customer service agent help me get a credit limit increase or a better offer?

Whether you speak to an agent or use our automated phone system, the result is the same. Our automated system lets you find out instantly if you’re eligible for a credit limit increase.

When can I expect to receive a credit limit increase offer?

Additional credit is usually offered to customers who have shown responsible financial habits and behaviours over time. While we can’t guarantee a credit limit increase in the future, here are some things you can do to improve your chances:

  • Pay your monthly credit card bills on time. Use Auto Pay to ensure you never miss a payment.
  • Pay more than your minimum monthly payment on your credit card bill.
  • Keep all your accounts in good standing.
  • Keep your financial and personal information up to date.

Will accepting a credit limit increase offer negatively impact my credit score?

No, your credit score isn’t impacted when accepting a credit limit increase offer.

Are there fees associated with getting a credit limit increase?

You are not charged any fees when checking if you’re eligible for a credit limit increase, or when accepting a credit limit increase offer.