How to Increase Your Credit One Platinum Credit Limit (2024)

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Make sure from 5 to 6 consecutive ON-TIME monthly PAYMENTS and watch how fast that bank offers you a credit increase. I no longer have this card anymore because of my past negligence which I'm regretting as this is one of the best REBUILDING CREDIT CARD offer...

Mine went from a $300 creditlimit at the time I applied in 2014 to $450, next $550, then 750 to 950 where I started to MISS PAYMENTS because of some financial difficulties which were manageable if I wasn't that negligent towards my finances. My credit scores were between 620 and 690. Unfortunately, my history of delinquency and missed payments portrayed me as an unreliable and risky borrower which had negatively impact my credit scores. You can do better if you start and continue to make ON-TIME MONTHLY PAYMENTS and REFRAIN FROM APPLYING FOR CREDIT CARDS within a short period of time which would be 12 months or 1 year.

According to some financial services firms, some secured credit cards is the best route to go since they DON'T CHECK YOUR CREDITREPORT OR RUN A HARD PULL/INQUIRY CREDIT CHECK for credit approval. Avoid cards that will check your credit history to determine your credit eligibility. And look for PRE-APPROVED CREDIT CARDS sent in the mail of your e-mail. Those companies offering the pre-approval credit cards would have only done a SOFT INQUIRY when they'd check your credit report history without your request or consent. That wouldn't impact your scores. Stay positive & hopeful, and take responsible risks!

This answer was first published on 08/11/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

@jlevikeith

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I have never missed a payment always paid my bill off each month but still can not get an increase to save my life. I have waited for them to do it so I decided to try so called them a few times been turned down every singe time. My limit is 300 maybe I should cancel this card?

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xflipfuryx, Member

@xflipfuryx • 05/29/20

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Don’t hold your breath! I’ve had mine for 1 year and I’ve never had a late payment and use it all the time and my credit score has gone up over 60 points and I call, they turn me down. Haha, get a Capital One.

This answer was last updated on 05/29/20 and it was first published on 05/28/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

@jlevikeith

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@kayleenjean63: same I have no attention to using mine again just waiting on Capital one to raise limit. My mother went from 300 to 2,000. Don't see why anyone gets credit one.

@jlevikeith

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Same. I think it is damn near impossible to get an increase. I've had em a year paid off every month turned down every time. It's not cause I'm good $ wise my score is in mid 700s

@linnee76

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Can I get a credit limit increase without asking?

Yes, it’s possible to get a credit limit increase without asking, typically after 6-12 consecutive months of on-time bill payments with a new credit card account. Credit card companies need evidence that you can handle your current spending limit responsibly before giving you the ability to borrow more.

Creditors will review your credit, income, and payment history on a regular basis moving forward. If they feel you can afford an increase and refrain from abusing the...

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Why did my credit limit go up?

The reason why your credit limit went up is probably because you received an automatic credit limit increase from your credit card company. Creditors periodically review cardholders’ accounts and may consider increasing the credit limit as a reward for consistently paying the monthly bills on time and maintaining a low debt level.

Another reason your issuer might increase your limit is if you updated your account profile with a higher income. The first account review for a...

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My husband and I need to take out a loan on our 401k, but we are currently under bankruptcy. Is it still possible for us to get a loan?

To decide if you can borrow from your 401k, you need to check with your plan administrator or go over the plan policies to see if the loan option is available. Note that you can only take out a 401k loan if you are still with the same employer. If you already left the employment, the loan option will not be available anymore. Also, if you take out a 401k loan and later leave the...

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Faith, Member

@gloriajean7 • 01/12/21

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You need to have kept the card for 4 months at least, with a good record, then you should apply online

This answer was first published on 01/12/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Sergio Mendez, Member

@sergio_mendez • 03/02/18

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You can request one online, from their website. With that said, make sure you have at least 6 months with the card, and that your payment history is spotless.

Aint B Shown, Member

@enjoylife27 • 05/07/21

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After 3.5 years credit limit is only at 950, requested credit limit increase and was denied. Never late, and even made more then the monthly min payment, most months paid balance in full. My income has tripled as I completed my education and did a lateral move with my employer. I started this ride with a credit score of 560 and now my credit score is 726. Yes, I spoke with a representive and they only review your account every so often and basically disregard your request. I just got a discover with a 9000 limit, now I just have to wait it out for the credit history to build before cancelling credit one.

This answer was last updated on 05/07/21 and it was first published on 05/07/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Joshua S Palmer Jr., Member

@joshuap_2 • 11/03/18

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Make your payments on time. Do not miss any payments.

This answer was first published on 11/03/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Jody Orso, Member

@jodyo_4 • 02/12/19

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Keep at least one third of your credit available make a little bit more than the minimum payment keep your payments on time 490 days and you can request a credit limit increase making payments of half of what is old will increase it more faster if you weigh at least 6 months but if it's something that needs to be done it always ask nothing beats a failure but a quitter. And remember nothing ventured nothing gained

This answer was first published on 02/12/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Mark Kurdas @markk_71

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Wtf? Who would give you credit? Your run on sentence is bad enough without grammar mistakes. Give it another try friend.

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mikethetyrant, Member

@mikethetyrant • 01/21/19

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Call and ask. It's the easiest. Just make sure you have at least 6 months of on-time payments.

This answer was first published on 01/21/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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