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  1. #1
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    Default Is Capital One worth calling for credit line increase?

    I have two cards with Capital One. One is unsecured and I really want a CL increase, but am worried they won't do it for me. I have two cards not from Capital One that both have $1,000 credit lines. I have a $500 line with Capital One and was wondering if they pull an inquiry to increase it? I've had the card for over nine months and almost always pay the whole balance off.
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  2. #2
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    If you look at the card agreement for your card, it is possible that you card limit cannot excess 1000-2500. I ended up closing one my account after almost 10 years for this reason because the maximum limit my card can carry is 1500 and comes with a 59.99 AF. Additionally my second card came with 15K that was reduced to 8, this card came with written promise for periodic review for increase but that was never the case and always an automatic denial.

    The good news is nearly all the request are soft pull so i strongly recommend you call them and give it a try.

    Good Luck
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  3. #3
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    Unfortunately as usual Capital one won't budge with me. Sigh, I guess it was worth opening to get credit initially, but now it seems like Capital One is nothing but a drag.
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  4. Centurion Member PlatinumAMEX94's Avatar
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    Quote Originally Posted by andy1088 View Post
    Unfortunately as usual Capital one won't budge with me. Sigh, I guess it was worth opening to get credit initially, but now it seems like Capital One is nothing but a drag.
    Capital One took a big hit when people stopped paying their credit cards because they lost their job. They slashed credit lines to decrease their liability. When someone files a bankruptcy, the credit card company loses, and they have to make it up other ways; debit card charges, late fees, etc.

    You don't want their card. They are sneaky, by changing your due date, so if you have auto pay on a certain date, you will miss it and then get charged a late fee and a 30 day ding on your credit report. Get the Citibank card that doesn't cheat the customer.
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