Can I get my limit increased even if I don't spend much?

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Green Member
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Can I get my limit increased even if I don't spend much?

Postby x.ff » Tue Oct 02, 2012 1:17 pm


I've just been approved for a Student Journey card from capital one with a 300$ monthly limit. I'm planning to use maximum 80$ per month, in order to get a good utilization ratio.

I'm wondering however, whether Capital One would increase my limit, if they see that I've only spent 80$ each month?

Thank you in advance,

Centurion Member
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Postby Robrus1 » Wed Oct 03, 2012 7:49 am

Hi Fred, from what I understand that's the best way to go about eventually getting your limit increased. It's not about how much you spend, but about how responsible you are with the limit you've been given. Pay on time, spend the 80 per month for several months, and give it a shot.
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