My credit card company gave me a $500 limit increase out of the blue

I've been paying my card off in full for about eight months, and I got an email today saying they raised my limit without me even asking. I learned that just using the card and paying it on time can really help. Has anyone else had this happen with Capital One?

4 comments

4 Comments

tara6424mo ago

Nice! They must like you more than me. I've been doing the same thing and my limit is still stuck in the dark ages. Guess I need to try harder.

the_taylor4mo ago

Nah, it's not about trying harder. The system is just weird and random sometimes. My friend got hers raised after doing nothing for months.

the_lee4mo ago

Call them and ask nicely, sometimes that works!

wadew511mo agoTop Commenter

Read on Credit Karma that limits are based on some internal risk model, not effort, @tara642.