Probably the quickest way to get a limit increase is to request it online. A credit score of 700 and above is generally considered good. All forum topics; Previous Topic; Next Topic; 35 REPLIES 35. Credit limit increase; Message 1 of 36 3 Kudos Reply. Credit limit increase; Message 1 of 36 3 Kudos Reply. You are leaving CreditOneBank.com. Refinancing could lower your auto loan fee and monthly payment whilst offering you hundreds of dollars. Brian_Earl_Spil ner. They also indicate that they will not do so based on phone requests. Just log in to your account on the Capital One website or app and click “Request credit line increase” in the “I want to” section of settings. In this case, the best way to get a better limit from Capital One may be to go with a new card, perhaps one marketed toward a better credit score demographic. I’m not sure if there’s a backdoor number for credit line increases but that number should do the trick. And finally, be sure to wait the sufficient amount of time necessary to get an increase. When I got the card, the CapitalOne app said that my credit line would be increased to $3500 if I made my first five payments on-time. Whoopeeeee! If you see this reason and your rejection letter, it just means that you were not paying off enough of your monthly bill. As you set up your account be sure to sign up for AutoPay and customized alerts to help you keep payments on time every time. If you are not approved for a Capital One credit line increase then there are some steps you might want to take. Capital One. Your email address will not be published. However, there’s no guarantee your limit will be extended, so you might need to take some extra steps to get the increase. As pointed out for, Capital One wants to see that you are using a lot of your credit line. I typically recommend for people to request an increase of around 25% to 35% of their current credit limit. Your account status, whether you make payments on time, how much of your existing credit line you are using and information from the credit bureaus all play a part in the decision. Will Capital One increase my credit limit? Bottom line. Receive an automatic credit limit increase Oftentimes, Capital One will automatically increase your credit limit if you use your credit card responsibly. "Whether your credit score is too low or you're utilizing 30 percent or more of your credit line, you need to fix the issues before requesting a new credit limit increase," Smith explains. Capital One should give you an increase without even asking. But there are certain things you need to know about this process in order to maximize your odds of getting approved, especially when it comes to Capital One. For Capital One, at the top of their request to submit for an increase it says “Asking for an increase won’t affect your credit score.” This means that Capital One does not use a hard pull, or cost you an inquiry, when checking out your credit score. Requesting a higher limit online. You will have the option to choose from the following: I don’t have hard data on how these categories affect your odds but obviously choosing something like unemployed, where you may not have an income stream, could raise some red flags to a bank that is trying to lend you credit. Again, if this delinquency came in the last 12 months, you may have difficult issues trying to get a credit line increase. Whoopeeeee! The rewards are easy to obtain and easy to use. Just log in to your account on the Capital One website or app and click “Request credit line increase” in the “I want to” section of settings. 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