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    • DeadSonRisingxD
    • By DeadSonRisingxD 3rd Dec 17, 2:20 PM
    • 2Posts
    • 0Thanks
    Capital One upped my credit limit but can not access it?
    • #1
    • 3rd Dec 17, 2:20 PM
    Capital One upped my credit limit but can not access it? 3rd Dec 17 at 2:20 PM
    Hey guys,

    I logged into my Capital One account today, I see that they have upped my limit from 200 to 800.
    I took the card out this January. 5 consecutive months out of the 11 months I hadn't used the card at all with the balance at 0. Only in the last few months I have started using it again with the usage at about 75-80% ish each month, with only minimal payment being made. Although i planned to start paying off, I have already had my limit increased. I'm just wondering why I have had a increased given all above.

    Also, even though limit is 800, my available balance is showing my old limit, so a bit confused why I've been given the limit but locked from using it?

    Any ideas would be great.

    Thanks, Ryan.
Page 1
    • zx81
    • By zx81 3rd Dec 17, 2:33 PM
    • 16,867 Posts
    • 17,890 Thanks
    • #2
    • 3rd Dec 17, 2:33 PM
    • #2
    • 3rd Dec 17, 2:33 PM
    When did they say they would increase your limit from?
    • sourcrates
    • By sourcrates 3rd Dec 17, 2:37 PM
    • 14,064 Posts
    • 13,324 Thanks
    • #3
    • 3rd Dec 17, 2:37 PM
    • #3
    • 3rd Dec 17, 2:37 PM
    Just be thankful you cant get into more debt.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
    • A4445
    • By A4445 3rd Dec 17, 7:19 PM
    • 762 Posts
    • 351 Thanks
    • #4
    • 3rd Dec 17, 7:19 PM
    • #4
    • 3rd Dec 17, 7:19 PM
    Give them a call and ask, their customer service agents are always quite helpful.
    • Kim_13
    • By Kim_13 4th Dec 17, 12:54 AM
    • 1,901 Posts
    • 2,035 Thanks
    • #5
    • 4th Dec 17, 12:54 AM
    • #5
    • 4th Dec 17, 12:54 AM
    Customers reliably paying the minimum each month they have a balance due are the most attractive to them, due to the interest they make out of you. Do pay each statement balance in full if you possibly can.

    They also have a secure message facility on their website if you wish to contact them that way.
    Sealed Pot 11 #520 ~ /100
    VSP 2018 #9 ~ 19.55/180.00
    CCCC 2018 #1 ~ 20.75/180.00
    • DeadSonRisingxD
    • By DeadSonRisingxD 6th Dec 17, 2:36 AM
    • 2 Posts
    • 0 Thanks
    • #6
    • 6th Dec 17, 2:36 AM
    • #6
    • 6th Dec 17, 2:36 AM
    Hey everyone, after a couple of days posting this, my credit limit has now been accessible to 800. Maybe there was a processing time? Thank you for your responses. @Kim_13 when I have had a balance I have only paid the minimum as so far. Not for long is the plan
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