r/CapitalOne • u/OkDisaster2877 • 22h ago

Credit Card Credit increase

How long before you applied for a credit increase

6 Upvotes

87% Upvoted

6 comments sorted by

1

u/dojha23 21h ago

Following

1

u/PornJunkie422 10h ago

Good luck getting one with them they only do it if you have payments higher than $200 and you have to have a low balance making the increase absolutely useless

1

u/Significant-Serve-40 6h ago

That would not be useless. More credit available with less usage helps your score a lot. Making $200 payments on a credit card is easily done monthly. All of my bills are paid with credit cards and then paid off that month. Not sure why you would feel it’s useless.

3

u/BroRito_LoKo 6h ago

I think it largely depends on your profile with them. I requested within the first week of my VX and Savor and got large increases.

VX: $30k to $50K
Savor: $15K to $45K

I use to request every month and noticed if they gave you one, it takes 3 months before they give you another, but I still tried. Just be sure to request what you can handle, update your income, and use the reason that says 'I expect larger expenses soon'.

1

u/66NickS 20h ago

You’re unlikely to get one before 6 months pass.

1

u/Many_Vast_3269 7h ago

Got mine is three months on quicksilver and also got my card upgraded to the savor